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      "body": "@@ -1,12 +1,137 @@\n+!%5BFraud and Risk.png%5D(https://cdn.steemitimages.com/DQmW5S5aP6TtG2gjtFa2NWufN5pqi7UcX9K25488eCwNF4e/Fraud%2520and%2520Risk.png)%0A%0A\n The recent a\n",
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      "body": "The recent advancements in machine learning and Artificial Intelligence allow many improvements for businesses. Complex AI models can be used to calculate and analyze the risk associated with investment decisions. AI-based predictive modeling techniques are expected to improve the decision making process for management by finding out the most profitable outcome in a given situation.\nThe application of AI technology can also help mitigate business exposure to fraud. Fraud attacks and deceptive practices have become very sophisticated and even the most experienced of auditors can get fooled by con artists and scammers.  \nA well designed AI model can collect and process historical data from hundreds of locations in the blink of an eye. AI is designed to learn and react quickly while continuously evolving its processing capability. It is hoped that AI will become far better at detecting frauds than humans in the near future.\nAI Application for Credit Rating Tools\nThe banking sector based on lending plays an integral role in any economy. Statistics show that consumer debt in the U.S. alone was just under $4 trillion dollar in 2017. Even a small improvement in their operations would result in cost savings worth billions of dollars.\nThis is why banks and lenders are constantly looking for ways to improve their services to customers. Two ways to do this is through improvements in credit rating for potential borrowers and faster processing times. Both these objectives can be achieved through the implementation of AI technology.\nAt its core, credit rating involves checking for hundreds and even thousands of transactions over a period of time to determine a pattern. This is an area that machine learning is naturally suited for. \nIt should be noted that the more data that is available for an AI to analyze, the better it can predict the credit worthiness of the potential borrower. This is why developers are looking to integrate the blockchain technology with AI analysis. Blockchain potentially offers a complete record of transactions that have taken place on the ledger and the most comprehensive record that can be available online.\nDetecting New and Existing Customers Risk\nDetecting risk is all about calculating the probability or threat of damage, loss or any other negative occurrence. In the context of lending, this involves loan defaults and delayed payments from customers.\nThere is no lending that is completely risk free. This is understood by lenders and banks. Every time a loan is advanced, there is a chance that the borrower may default on his or her payments. For some borrowers, the probability is higher. For others, it is low. But it is never zero.\nFinding out the risk is important as lenders take the probability of default into consideration when approving or rejecting loans. It is also important to identify the risk as lenders must include a risk premium into the payment plan. \nThis is why people with higher credit rating are able to get loans approved more frequently and at lower interest rates than people with a lower credit rating. The bank is simple charging them higher for the extra risk that it is taking.\nWhile a loan underwriter can make a very good analysis to determine risk, nothing beats an AI model at determining the precise risk associated with a loan application. The AI would consider every historical transaction from the potential borrower as well as the pattern of payments, the income level, spending habits and other factors to calculate the risk. \nReal Time Sector Changes\nThe process of risk management doesn’t end at the loan approval stage. Lenders must monitor their borrowers’ credit worthiness frequently to be aware of the risk to their outstanding debt. While this can be difficult to achieve through human effort, the process can be automated through AI to be completed seamlessly. \nDevelopers believe that future improvements in AI will improve fraud and risk detection for lending businesses. Combined with the blockchain platform technology, AI gives us the best chance of detecting and preventing fraud.\n\nFind out more about Calero and our token launch at our site: Calero\nJoin us on Telegram: https://t.me/officialcalero\nFollow us on  Facebook and Twitter for the latest news and developments",
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      "body": "![2.png](https://cdn.steemitimages.com/DQmX6geaTEJwzVu7EFG8tZtcuv5C5HfHfWrT9Fd4EFAx7tZ/2.png)\n\nMany people have heard of blockchain in connection with cryptocurrencies like Bitcoin and Ethereum. Digital currencies are one of the most popular applications of the technology after all.\n\nHowever, not too many people may be aware that the technology offers a lot more useful applications that just cryptocurrencies. Blockchain platforms can significantly improve the record keeping process for businesses by making them accessible online, very secure, and incredibly reliable.\n\nProblems with Cash Flow and Spend Management\n\nBusinesses rely excessively on transactions between multiple parties that must be recorded properly and accurately. These transactions must also be easily available for auditing.\n\nConsider a case where Company A regularly sells raw materials to Company B. The invoices for the products are issued at the time of delivery of the products.\n\nCompany B issues payments to Company A 30 days after the delivery of products. Once the invoice is sent it remains on the system of Company A as Account receivable. Once the invoice is received by company B they record a corresponding Account payable.\n\nWhen the payment is issued through a fund transfer, Company B would write off the Account payable. Company A would only write off their Account receivable once the payment for their products has actually been received.\nThere is also the possibility of delays in payment clearance if the transaction takes place through a third-party, such as a bank.\n\nObviously, there is a delay between issuance and receipt of invoice as well as issuance and clearance of the payable account. This can cause errors and miscommunication between business partners. A system that can instantly transfer funds from one account to the other and record it on a public ledger that is viewable by both parties would significantly improve the whole process.\n\nCash Flow Improvement\n\nA blockchain based distributed ledger system being created by Calero.io can record instant payment of invoices rather than waiting for several authorizations from multiple companies and intermediary banks. \nAs soon as an invoice is issued, everyone from the supplier to the inventory and quality control department at the buying company would know about the purchase.\n\nSimilarly, the accounts departments from both firms would be aware of a transaction as soon as a payment is issued. This would significantly improve cash flow planning for both companies.\n\nReduction in Intermediaries\n\nBanks have played a central role in generating business activity for centuries. Banks facilitate transactions between different companies but also charge a fee for their services.\n\nA blockchain platform has the potential to completely remove the role of banks by directly connecting sellers with buyers. This would improve the spend management for businesses by removing the costly intermediaries. \n\nBetter Inventory Management\n\nBusiness cash flows are dependent on inventory cycles and supply chains. In trading and manufacturing businesses, the working capital is heavily invested in goods or raw materials. These goods are later sold and converted back into cash.\n\nOne of the problems in supply chain management is the accuracy and authenticity of the inventory data. A number of tools have been developed to account for inventory over the years but nothing comes as close as blockchain in providing an accurate ledger account. The blockchain provides a complete record of inventory and improves supply chain in a number of ways.\n\n\tBlockchain is openly accessible and inventory data can be viewed by anyone from anywhere. Inventory information can be adjusted automatically as products are sold and transferred from one location to another.\n\tBlockchain allows a complete record of inventory from production to final sales. This allows data accuracy and easier tracking of individual batches of products.\n\tThe inventory data entry on a blockchain is encrypted, making it much more secure than a regular database.\n\nFind out more about Calero and our Token Launch at our site: Calero.io \nJoin us on Telegram: https://t.me/officialcalero\nFollow us on  Facebook and Twitter for the latest news and developments.",
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      "body": "![2.png](https://cdn.steemitimages.com/DQmX6geaTEJwzVu7EFG8tZtcuv5C5HfHfWrT9Fd4EFAx7tZ/2.png)\nMany people have heard of blockchain in connection with cryptocurrencies like Bitcoin and Ethereum. Digital currencies are one of the most popular applications of the technology after all.\nHowever, not too many people may be aware that the technology offers a lot more useful applications that just cryptocurrencies. Blockchain platforms can significantly improve the record keeping process for businesses by making them accessible online, very secure, and incredibly reliable.\nProblems with Cash Flow and Spend Management\nBusinesses rely excessively on transactions between multiple parties that must be recorded properly and accurately. These transactions must also be easily available for auditing.\nConsider a case where Company A regularly sells raw materials to Company B. The invoices for the products are issued at the time of delivery of the products.\nCompany B issues payments to Company A 30 days after the delivery of products. Once the invoice is sent it remains on the system of Company A as Account receivable. Once the invoice is received by company B they record a corresponding Account payable.\nWhen the payment is issued through a fund transfer, Company B would write off the Account payable. Company A would only write off their Account receivable once the payment for their products has actually been received.\nThere is also the possibility of delays in payment clearance if the transaction takes place through a third-party, such as a bank.\nObviously, there is a delay between issuance and receipt of invoice as well as issuance and clearance of the payable account. This can cause errors and miscommunication between business partners. A system that can instantly transfer funds from one account to the other and record it on a public ledger that is viewable by both parties would significantly improve the whole process.\nCash Flow Improvement\nA blockchain based distributed ledger system being created by Calero.io can record instant payment of invoices rather than waiting for several authorizations from multiple companies and intermediary banks. \nAs soon as an invoice is issued, everyone from the supplier to the inventory and quality control department at the buying company would know about the purchase.\nSimilarly, the accounts departments from both firms would be aware of a transaction as soon as a payment is issued. This would significantly improve cash flow planning for both companies.\nReduction in Intermediaries\nBanks have played a central role in generating business activity for centuries. Banks facilitate transactions between different companies but also charge a fee for their services.\nA blockchain platform has the potential to completely remove the role of banks by directly connecting sellers with buyers. This would improve the spend management for businesses by removing the costly intermediaries. \nBetter Inventory Management\nBusiness cash flows are dependent on inventory cycles and supply chains. In trading and manufacturing businesses, the working capital is heavily invested in goods or raw materials. These goods are later sold and converted back into cash.\nOne of the problems in supply chain management is the accuracy and authenticity of the inventory data. A number of tools have been developed to account for inventory over the years but nothing comes as close as blockchain in providing an accurate ledger account. The blockchain provides a complete record of inventory and improves supply chain in a number of ways.\n\tBlockchain is openly accessible and inventory data can be viewed by anyone from anywhere. Inventory information can be adjusted automatically as products are sold and transferred from one location to another.\n\tBlockchain allows a complete record of inventory from production to final sales. This allows data accuracy and easier tracking of individual batches of products.\n\tThe inventory data entry on a blockchain is encrypted, making it much more secure than a regular database.\n\nFind out more about Calero and our Token Launch at our site: Calero.io \nJoin us on Telegram: https://t.me/officialcalero\nFollow us on  Facebook and Twitter for the latest news and developments.",
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      "body": "The economic model and working habits of people are going through a lot of changes. We no longer work the number of hours in closed office cubicles and industry that people used to do just ten years ago. \n\nWe have come a long way from the time of Generation X. Workers of today want more freedom and self-reliance. Freelance is becoming the norm and reshaping many industries. Businesses now rely on creating partnerships with freelancers rather than hiring employees for the long-term.\n\nThe changing work habits have significantly increased the need for accountability and transparency across business domains. This is one of the reasons why people are looking for new methods of payments that are secure and easy to track. \n\nThe Freelancer Generation\n The millennial generation is not as focused on working the regular day shift as the prior generation. A survey recently undertaken by Upwork showed that there are more than 57.3 million Americans who are working as freelancers in the country. These people contribute more than $1.4 trillion to the economy annually.\n\nThe study also shows that as many as 47% of the millennial population is working as freelancers and the majority of U.S. workforce will be composed of freelancers by the year 2027.\nPeople are switching to freelancing because it allows more freedom, greater flexibility and allows individuals already employed an opportunity to earn some extra income. Advancements in tech are playing a leading role as well. Improvements in communication and money exchange methods make it easier for people to provide freelance services to businesses.\n\nForward Looking Attitude\nA major finding of the survey was that freelancers believe they are better prepared for the future compared to employees doing a regular 9 to 5 job. A majority of American workers were not very confident that the work they do today will be available 20 years from now. More than 60 percent of freelancers felt secure in their choice of profession.\nOne area of concern for the freelancers was income unpredictability. Unlike a regular job with a steady paycheck, freelancers often had to dip into their savings during periods where they could not find any work.\n\nNew Technologies \nThe popularity of freelancing is significantly influenced by the changing technology. One of the technologies that are likely to make an impact is the blockchain-based cryptocurrencies.\n\nCryptocurrencies, like Bitcoin, Ethereum and Calero provide a medium of exchange that is quick and easy to transfer and very secure. Digital coins like Ethereum also allow the ability to build smart contracts that are automatically executed with each phase of completion for a project.\n\nConsider a simple example where a business hires a freelancer to design a set of marketing brochures for the company. They parties sign a smart digital contract where payments will be automatically disbursed to the designer as each phase of the project is completed and submitted to the business over the platform.\n\nGreater Accountability and Transparency\nA secure payment method built over the blockchain will give greater confidence to freelancers and service providers that are looking for work online. Since the execution of contracts is automated, freelance service providers can be assured about the payment once they deliver projects according to client specifications.\nThis system of payments is also easier to monitor by regulators such as the tax authorities. Entries recorded over the blockchain are immutable and provide a complete record of all the transactions that have taken place on the ledger which should keep the IRS.\n![Accountability.png](https://cdn.steemitimages.com/DQmXujH8Czq9Q9KrquqPPTjFovatVNm3TBWm3fpbaBtN1sT/Accountability.png)\nCalero will provide a seamless solution for all freelancer requirements, from invoicing, payments, cash flow management to time tracker and filing taxes.  \n\nFind out more about Calero and our Token Launch at our site: Calero.io \nJoin us on Telegram: Official Calero.io\nFollow us on  Facebook and Twitter for the latest news and developments.",
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      "body": "Almost every modern business relies on providing services and products in exchange for money. It is the method of income generation that keeps the business going.\n\nMany businesses rely on receiving cash payments from their customers at the time of service delivery. Take restaurants, barber shops or your local retail store, for instance. These businesses expect payments at the conclusion of services or product exchange.\n![Why Invoicing is Overlooked.png](https://steemitimages.com/DQmdJfUsf24TWtEtzfQMXHTVpVxMHtARCJWDYFU6A6wuV3A/Why%20Invoicing%20is%20Overlooked.png)\nHowever, for an increasing number of businesses, payments are delayed and received later. The service provider issues an invoice to the customer at the time of service delivery and payment is received based on pre-agreed terms.\nThis method of delayed payment is commonly used by freelancers, contractor and SMEs in servicing businesses. It is popular because it gives the customers time to review the level of service and a short-term credit.\n\nProblems for the Service Provider\nWhile the invoice pricing method is beneficial for the customer, it can create a number of problems and financial uncertainty for the vendor.\n\tMost service providers don’t mind a delay of a few days to a week. However, customers can drag payments out for several weeks. Data shows that average time for receiving invoice payments is up to 60 days.\n\tService providers dealing with a large firm may feel helpless as they are passed around from one person to the next in different departments. Many freelancers experience communication problems when dealing with a large client.\n\tData also suggests that a large number of invoices are still generated manually with an average cost of $12.90 per invoice. These invoices are also subject to human error.\n\tMost invoice processing transactions involve money transfer from the client’s bank to the vendor’s bank account. This method has a high cost for both parties, slower processing times and based on centralized platforms which have proven inefficient.\n\tLastly, the current system of invoicing requires a certain leap of faith by the service provider. Business insights reveal that up to 70% of new business relationships require the parties to make decisions based on perceived value and unknown risk. This can increase the cost of due diligence for businesses.\n\nThe Solution for Businesses\nBlockchain based cryptocurrency platforms offer a lot of improvements for business transactions. It is particularly beneficial for freelancers and contractors as the payment system is completely online and most freelancers and service providers also operate through the web.\n\nA cryptocurrency like Calero allows setting up smart contracts. These contracts execute automatically when certain pre-set conditions are met. The automatic execution of contracts can help build trust and reliability for doing businesses online.\nAnother benefit of Blockchain based platforms like Calero is that it removes the need to rely on third parties. Crypto coins are kept in digital eWallet and can be quickly transferred from one party to another without requiring inter-bank communication.\n\nThe company allows the automatic generation of invoices which are further checked for errors by a verification process through an automated function. The chance of invoice errors generated through a digital process is significantly lower than manual invoices.\n\nPerhaps one of the greatest advantages of Blockchain platforms like Calero is that they can be monitored openly by authorized personnel and can be accessed from anywhere. This makes it very easy to monitor and check the records for payments that have been cleared and the ones that are outstanding, improving overall communication.\nFinally, a transaction platform built on automated contracts will give service providers a level of clarity. Freelancers and contractors will be able to calculate their receivables and income more accurately and manage the overall business cycles more efficiently.\n\nOne area of Calero aims to decrease the time taken for business documents to be created, sent by suppliers, then matched, approved and paid by the client all within one dashboard.\n\nFind out more about Calero and our Token Launch at our site: Calero.io \n\nJoin us on Telegram:  t.me/CaleroToken\n\nFollow us on  Facebook and Twitter for the latest news and developments.",
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      "body": "One day, we’ll all be coexisting with robots who just might be thinking and acting in a way that’s miles ahead of us.\n\nEven now, the developments in the technology industry related to AI are astonishing, from Google’s AlphaGo defeating a Chinese Go Master in 2017 to the UK’s Royal Astronomical Society using AI to determine if we can live on other planets.\n\nAI being truly human-like\nAbove all, however, the most popular question related to AI has been “how close are we to AI being truly human-like?”\n\nOne area in which this is becoming clear is in the usage of AI with speech recognition. A prime example of a current product that showcases this is Amazon’s Alexa. We all most likely know the problems that users have faced related to orders placed incorrectly and misunderstood commands.\n\nA possible improvement to conversational AI like Alexa could come from a semi-competitor like Microsoft. At the tail end of 2017, ZDNet and other outlets reported that Microsoft has set a record related to AI and speech recognition.\n\nMicrosoft’s AI can now hear and transcribe just as well as a human. The metric that they used to determine this was, according to ZDNET and Microsoft, an error rate per transcription of 5.1%, which is on par with the human average error rate related to the area. The error rate in question was obtained from 2,400 telephone conversations between US citizens with neutral accents.\n\nThis brings to mind a key question. What results would be obtained if the sample was based on global telephone conversations? Answering this requires another discussion entirely, but suffice it to say that this is a move in the right direction. AI can now understand and transcribe neutral accents as well as humans. Microsoft and others aim to get it past this hurdle so that it can do the same with all accents in all situations.\n\nConversational User Interfaces\nEven given this, Microsoft’s work in the space does not stand alone in this area. Another step forward related to speech recognition and AI is the work being done with Conversational User Interfaces (CUIs). CUIS can simply be understood as systems like Siri and any kind of chatbot that can recognize what you say and respond to it with a set of options.\n\nWe aim to first have CUIs that can completely learn from what humans ask and develop better answers based on this. In other words, these CUIs would need to fully run on Artificial Neural Networks, which are essentially computer versions of the human brain, in layman’s terms.\n\nFor this to happen, CUIs need to overcome the roadblock of needing presets to answer customer queries as well as the roadblock of not having completely internal transcription capabilities. In this way, the development of CUIs depends on companies like Microsoft reaching the milestone of perfect transcription of any human accent, with 5.1% error or less.\n\nThe field of Artificial Intelligence contains a lot of uncertainty and can be daunting. It is hoped with a series of articles that it will become clear how AI can and will affect your life, judging by leading work in the field.\n\nCalero and Artificial Intelligence\nAt Calero, we are working on automating the submission of invoices from suppliers and matching this in real time against the purchase order. This aims to decrease or even eliminate the manual data checking process that occurs in organisations.\n\nCalero have also realised that improving productivity is an essential part of any organisation, so we are working on a speech to text interface that would enable credit memos, purchase order…..to be created and sent to your clients in seconds, without any human involvement beyond the speech communication.\n\nFind out more about Calero and our Token Launch at our site: Calero.io\n\nJoin us on Telegram: t.me/CaleroToken\n\nFollow us on Facebook and Twitter for the latest news and developments.",
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      "body": "Technological developments taking place across a number of industries are revolutionizing businesses for the better. Consider the cloud database platforms or the robotic process automation for routine jobs. These new technologies will significantly transform a number of servicing and manufacturing industries.\n\nOne new technology that is receiving a lot of attention is the blockchain. Google trends show that blockchain or platforms built on this technology were some of the most searched terms in 2017. The peer-to-peer network is considered very useful for record keeping in particular. \n\nBlockchain Benefits for Accounting\nBlockchain is a digital database where records of transactions between multiple parties are kept in a ledger. New transactions are recorded to the ledger in the form of blocks. Each new block contains a time stamp linked to a previous block which creates a chain. \n\nThe business function of accounting can be significantly improved by the blockchain technology. Accounting and auditing are based upon looking back at the historical records of transactions. Blockchain’s core features of immutability, security, real-time processing and public accessibility would make business accounts more transparent and trustworthy.\n\nProblems with the Current System of Accounts Payable\nThe traditional way of creating and settling accounts payable involves sending a single document to the recipient which is only visible to one party at a time. The second party can only make update to their records after the first party has completed their work.\n\nThis adds delays and slows down the whole process. Furthermore, each party must also dedicate human resources to monitoring the issuance of invoices, create payable accounts and update these records as payments are made.\nThe process requires time, resources and personnel. It is also prone to human error, which can take further time to get the records corrected.\n\nBlockchain Based Smart Contracts\nThe process of monitoring and record keeping of Accounts Payable can be completed instantly by implementing smart contracts built on blockchain. These contracts would also remove the need for accountants to ensure that proper entries are made each time.\n\nLet’s consider a simple example to understand how smart contracts work. Let’s suppose that a business acquires cleaning services from another firm for the three months of January to March. The cleaning service starts in January and the business receives a bill for the month’s services. The accountant would create separate accounts for expense and payable to make a note of the obligation.\n\nThe business continues to receive cleaning services in February and receives another bill for the month. The accounts department makes a full payment for the services at the end of February. The accountant would need to settle the Accounts payable for two months and create a new record of prepaid expenses for March.\n\nPractical Application of Blockchain for Accounts Payable\nFor a business that deals with hundreds of such service providers, it could take a lot of time to record expenses and create separate heads for payable accounts.\n\nAt Calero.io, Smart contracts would automatically execute these transactions at each stage of service completion to the correct account. What’s more, the creation and settlement of the account would be recorded for both the servicing business as well as the client. This would completely remove ambiguity and chance of a dispute.\nThe blockchain ledger is designed to maintain a full record of all the entries made on the platform. In the example posted above, accountants from both the business and cleaning service would be able to review the transactions and check for any errors.\n\nA blockchain network remains online 24/7. Any party with access control can check the record at any time. Access to the system can also be given to external regulators such as audit firms and tax authorities. These agencies can check the ledger for accuracy to ensure compliance with accounting practices.\n\nFind out more about Calero and our Token Launch at our site: Calero.io \nJoin us on Telegram:  t.me/CaleroToken\n![1.png](https://steemitimages.com/DQmba9A4jF6A7kbp2F5SWtZynP2RnFWMsGroiewcR84LFFM/1.png)\nFollow us on  Facebook and Twitter for the latest news and developments.",
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