EduSpark

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SPARQ, an innovative personal finance platform headquartered in Tallinn, Estonia, is releasing its much-anticipated MVP application. After months of validating the concept and testing the app, SPARQ’s time has finally come! Current users will need to update their application to use the new one. Smart, engaging, and visually appealing, the SPARQ app encourages users to take control of their finances. SPARQ comes with a bank account, gives users the opportunity to earn and spend QPoints, and offers free and instant money transfers across the European Union with the help of our partners UAB “Payrnet”. This MVP version has many exciting features, but there are more to come in the next two to three months, including analytics tools for users, QPoints, and the highly practical and intuitive SPARQ dashboard, which allows users to track their daily spending and monthly bills so they can better plan their financial life. “It took us two years to get here. An idea that sounded crazy a few years ago is now entering the world. It’s extremely important for us to share the concept of SPARQ with the world, so everyone has the opportunity to become the hero of their own financial journey! We want to demonstrate that personal finance management creates security and peace of mind, both in yourself and in your financial life." "Anyone can choose to take control of their finances, no matter where they are or what they earn. There’s so much to do and so little time! Many thanks to the whole team for contributing to an outstanding creative culture and offering tremendous support. I also want to thank our early adopters, who believed in us and actively participated in product improvement discussions. Kudos to the investors, advisors, friends, family, and everyone who has been involved in the process of shaping a culture of effective money management. It’s time to SPARQ!” said SPARQ CEO and founder Danila Belokons. SPARQ is rewarding its loyal early adopters with several Early Adopter Pack benefits. These include a free limited-edition physical card, which comes in a unique design and is only available to the first 5000 users. Early adopters will also receive a lifetime discount on the SPARQ’s services when they purchase their first subscription. Take control of your finances and become the hero of your financial journey. Download the app right now from: App Store - https://apps.apple.com/lv/app/sparq/id1487955577 Google Play - https://play.google.com/store/apps/details?id=eu.sparq.m Don’t miss out on this exciting update!

SPARQ Launches on App Store and Google Play

China is planning to unroll a series of blockchain-friendly laws in early 2020 to open themselves up to blockchain use cases. In a recent statement by President Xi Jinping, the country will aim to unroll its own digital coin. China has shown support in the past for projects like NEO, and more recently, TRON. At the same time, the country is very wary about token sales and any project that may cause losses on the personal finance level. China has taken a stance of “blockchain” versus speculative digital coins, and they aim to harness the power of distributed networks to distribute and secure data for various use cases. China is on the lookout for opportunities in the crypto space with startups as well as existing public blockchains. For about 14 months now, the Center for Information and Industry Development in China has tracked a chart of the top digital coins and tokens, based on their technological merits and potential for innovation. The by the Chinese Ministry of Industry and Information Technology offers a glimpse into what researchers see as the most important feature of public blockchains. CCID index The Chinese agency ranks , including various types of networks. Curiously, it is not Bitcoin (BTC) that has the highest grades for innovation. BTC is currently ranked 11th. EOS has topped the charts in a series of past reports, and they are back again as the leader in the 14th edition of the ranking released in October. The only project that is getting close is TRON, a close competitor when it comes to attracting startups and developers. a total of 37 projects EOS Offers Unique Network Features To get to the top of the chart, EOS had to match the criteria for the CCID rating. The rating collects an assessment of three major categories - basic technology, accessibility, and creativity. Of those categories, EOS has gathered more than 151 points, far ahead of Bitcoin’s 103 points. Bitcoin’s network is very basic when compared to EOS, with a simple mechanism of onboarding miners. EOS, on the other hand, includes governance as well as a marketplace to determine the price of RAM, a relatively scarce resource that establishes the capabilities of the EOSIO distributed operating system. EOS, with its distributed operating system EOSIO, deserved those points in several ways. First of all, EOSIO is a scalable ecosystem allowing for app creation, with significant scalability potential. Its ecosystem offers the creation of accounts, authentication, databases, asynchronous communication, and the distribution of applications across multiple CPU computational resources. Simple transactions between nodes are carried and distributed faster in comparison to a system of miners and thousands of nodes. The system was developed to harness distributed computational resources and offer developers a complete platform in well-known programming languages to support their games, smart contracts, exchanges or other decentralized solutions. Currently, EOS is the fastest, busiest network that utilizes delegated proof-of-stake. This means that blocks are not made by anonymous miners, but the task is delegated to 21 elected block producers. This structure allows the EOSIO to run as a distributed operating system while handling , and all of them with no fees. over 87 million transactions in a day Source: eospark.com This innovative approach was built on top of other similar blockchains, some of which are featured prominently in the CCID report. These networks, also the brainchildren of Dan Larimer, the creator of EOS, share similar features of block production, but EOS is the most advanced so far, as it allows for an ecosystem of distributed apps. Because of the speed and relative ease of use, plus the free transactions, the EOSIO ecosystem has attracted multiple developer teams to build their games or platforms. EOSIO will also host Voice, the flagship app of Block.One, which will offer voice services with a blockchain record. Other prominent projects include EOSKnights, EOSBet, the Dice distributed app, as well as many decentralized exchanges. EOS has a speed that has not been matched by other networks. At full capacity, the EOS network has carried more than 3,000 transactions per second. Due to its capability to perform distributed parallel computing, EOSIO allows apps like Voice to compete with traditional social media networks. Because EOSIO is built upon the idea of the Steemit social media, the ecosystem already has the potential to build similar structures and keep a real-time record through high-capacity transaction throughput. EOS is one of the projects that preserves its user record each quarter, while Ethereum shows an outflow of users from gaming. The free nature of transactions means that a user doesn’t need to pay fees for each in-game transaction. The EOS network also moves beyond the EOS digital coin; it allows for the issuance of tokens. This gives crypto startups better control in distributing and handling their separate digital assets fit for the exact purpose. The Ultra Project Aims for the EOS Advantage These features have attracted the as one of the promising platforms being developed within the EOS ecosystem. Ultra is a game distribution platform that aims to become an industry standard for developers, publishers, and gamers. Ultra harnesses the power of EOSIO to bring a blockchain record and fast performance to indie and big video game developers. Ultra project Ultra is taking advantage of the new legislation in China with a clever system of “operators”. They basically offer their tech to local corporations that are in return responsible for running their own platform based on Ultra’s technology. Operators also take care of legislation, marketing, content and all the things that could be complicated to manage as an outsider. This way, it becomes much easier for the games distribution platform to successfully implement their solutions on difficult markets such as China, Japan, Korea or SEA, as stated by the company: Source: https://t.me/Ultra_ann/217 The fame and prominence of EOS can only help new arrivals like Ultra and other projects from the booming gaming industry. China is becoming one of the hubs for game creation, and these teams aim to harness that trend. Conclusion EOS is leading in China, with the influence of Chinese block producers who have a significant presence among the 21 elected nodes. The appeal of EOS is not only in the eyes of regulators - local startups in China have also pledged their readiness to support the EOS network. The EOS market price is another advantage. EOS trades at $3.35, boosted by the recent spike in coins that are favored by Chinese traders. EOS has remained relatively stable even during significant price drops across the broader market. EOS is present and highly active on multiple exchanges, giving access to buyers through markets like OKEx, Binance, HitBTC, BKEx, Bibox, and other active trading hubs. The advantage of EOS is in its positioning as an innovative network that avoids the pitfalls of the first distributed app network, Ethereum. EOS avoids the need to rely on anonymous miners and network congestion, by instead providing, in the case of Ultra, a freeway to use as many transactions as needed in its games and reward distribution. : Disclaimer The author is not associated with any of the projects mentioned.

Is China Opening Up to Blockchain?

EOS’s Market Cap Analysis. EOS Tokens Reach 12.6% of EOS’s Market & continue growth. The combined market cap of all tokens has now risen to $776 MM according to data from public in November 2018. The of all EOS based tokens is now $6.18 Billion. EOS EOS Block Explorer Total Market Cap But why is EOS seeing such dynamic growth, in stark contrast to Bitcoin and Ethereum continue to suffer from a bear market? Much of this growth has been driven by recent high performance from the top ten EOS tokens, which constitute 12.6% of the EOS market cap in total. So what are the top ten EOS tokens? Let’s break them down. [ EOS Black ](https://eospark.com/MainNet/tokens)Launched: July 20, 2018 Market value: $242 Million Over the last 2 months there has been a significant increase in EOS Block holders, who currently total 170,000. This token has been listed on the exchange since Sep 7, 2018. The total supply of EOS Black is currently 953,712,111.54 and it represents 31% of the EOS token Market Cap. The token’s value spiked in September, reaching an all time high of $1.01, but has since dropped to around $0.50. Chart link [**IQ Token **](https://eospark.com/MainNet/tokens)Launched: August 9,2018 Market Cap: $90,983,882.00 IQ tokens are the official token of Everpedia — the new encyclopedia project from Wikipedia cofounder Larry Sanger. There are currently 169,781 holders and the total supply is currently 9,998,228,815.37. The token represents 11.7% of the EOS token Market Cap. Prices fell sharply after launch but spiked to near $1.00 in October and are currently around $0.90. blockchain Chart link [**CET **](https://eospark.com/MainNet/tokens)Launched: December 26, 2017 Market Cap:39,000,000.0 The CET token has 165,484 holders and a supply of 2,000,000,000. CET has been listed on the exchange on Oct 24, 2018. Prices currently around $0.11. The token occupies 5% of the EOS token Market Cap. Chart link [**DICE **](https://eospark.com/MainNet/tokens)Launched: May 17 2017 Market Cap: $37,034,146.00 Price: $0.0018740 Over the last 2 weeks there has been a significant increase in EOS Block holders, who currently total 24,836. This token has been listed on the exchange since Oct 29, 2018. The total supply of DICE is currently 3,817,952,206.55 and it represents 4.8% of the EOS token Market Cap. The token’s value spiked in October during the listing on the exchange, reaching an all time high f $0.01, but has since dropped to around $0.0017. Chart link OCT Market Cap: $25,520,000.00Launched: July 25, 2017. While it was doing well in June, OCT’s price since fallen significantly to around $0.13. OCT has a total supply of 200,000,000, 7985 holders and 3.3% of the EOS token Market Cap. Chart link EOSDAC Market Cap: $20,196,373.00Launched: April 17, 2018 EOSDAC has a supply of 994895,254.98, 90571 holders 2.6% of the EOS token Market Cap and price of $0.022828. Chart link MEETONE Market Cap: $18,000,000.00Launched: August 10, 2018 Meetone has had a wild ride in the months since its launch. The price peaked at $0.0073 in September and has since settled at $0.00146. The token has a supply of 2,000,000,000, 10,917 holders and 2.2% of the EOS token Market Cap. Chart link KARMA Launched: August 10, 2018. Market Cap: $2,636,922 It’s been a good couple of months for Karma, which has been on an uptrend since September. The coin’s supply is currently 3,000,000,000. There are 166,555 holders and the price is $0.001479. Karma accounts for 2.2% of the EOS token Market Cap. Chart link HORUS Market Cap: $10,987,153 Launched: July 30, 2018. Horus has had some major ups and downs over the past few months. It peaked at $0.028921 in October, and the current price is around $0.011. There are 171,900 holders and the supply is 1,200,000,000. Horus has 2.2% of the EOS token Market Cap. Chart link Crypto investors may also be interested to know that the number of EOS airdrops for EOS tokens has been growing each month, and the positive trend for these digital tokens doesn’t seem to be slowing down. It might not be a bad time to add a few to your crypto wallet. Have you already track your EOS tokens? EOS blockchain tokens tracker provides a quick, easy, and fun way to track EOS tokens & airdrops. Users take control and manage all accounts in one place. The application is absolutely free & secure. Have your portfolio tracker in your pocket, anywhere & anytime. Get your blockchain token tracker app — here We’d glad to hear from you any feedback or comments which improve the app & make your life easy. So feel free to get in touch via any of the channels below, which includes , & . Telegram Twitter Reddit

EOS Tokens Reach 12,6% of EOS’s Market Cap

At present, everyone is excited because artificial intelligence has at last attained a position of prominence in the world. We’re all waiting with to find out how AI will influence our day-to-day life and regular activities. At some point, online shoppers must come face-to-face with some really irrational Chatbots, who don’t grasp what they want and need, apart from misbehaving and showing off their intelligence. Badly created Chatbots give patrons an impression that they have been created to trim down customer service costs; yet, why does this crop up? Though Artificial Intelligence (AI), without doubt, is getting better every day — our robotic buddies, i.e. ChatBot Technology is still genuinely deficient in practicality and good judgment. For that reason, it will require some time before Chatbots are fully prepared to join and merge with human society. Take, for example, this query of an operating Chatbot: “The costume would not fit in the black bag because it was too large. What was too large?” The costume, clearly, because if the bag was too large, the sentence would lose its meaning. Nevertheless, Chatbots still make a great effort and do all they can to understand this kind of language. Here’s another illustration of an ineffective digital assistant: “The urban municipality denied the activists a permit card as they were afraid of bloodshed.” Common people would easily understand that the urban municipality was frightened of bloodshed, rather than the protestors; however, that’s very problematic for a Chatbot to figure out. Chatbots are generally very clever at statistical analysis; but then again, this kind of thoughtful intellect is not natural for them. Additionally, it is challenging to design this kind of interpretation and language sensitivity by means of statistical analysis. Though Essentially Dumb, Chatbots Are Not Rubbish Despite Chatbots being basically foolish, they cannot be deprived of its constructive potential. Commercial establishments can make a large amount of money by utilising them. Besides, businesses need them to restructure and modernize their customer service department to make it more efficient and simple. For instance, the working example of a live chat; thanks to its instant response (something that only Chatbots can deliver), it is immensely popular. Why Clients Like Live Chat Better? As a rule, when customers encounter problems, they want it resolved without delay; typical human nature. Messaging statistics show that, generally, clients dislike hanging around more than 60 seconds for a reply. So, Chatbots are not totally pointless and can be effectively used to supply swift responses and simple solutions. Some of the admiring comments that people make about Chatbots include: They are so friendly! It feels like you’re having a word with a real pal. Chatbots make buying experience more enjoyable. Chatbots are improving my chances at generating profits. Chatbots are proving to be cost-effective for my company. Good Reasons Why Chatbots Fail Following are some of the reasons why chatbots disappoint and exasperate customers: Tend to make poor decisions Make stupid or careless mistakes Give silly or in-appropriate responses Lack common sense Unable to think clearly Inept at acting intelligently Acts bewildered with sudden and unforeseen queries Does not appear genuine or natural Displays shortage of naturalness or spontaneity Exhibits computer-generated human actions or behaviour Appears artificially well-mannered Don’t value context Don’t recognize human slip-ups Misread a buyer Chatbots And Their Cool Tricks With Chatbots, there is bound to be: Responses to simple questions Insertion of pre-set phrases into a messaging app The procedures that are followed to help a Chatbot communicate are a result of decision-tree logic; and on the whole, is not adequate for a large variety of conversations. Here’s how the whole thing functions: For example, you have a Chatbot that wishes to put up shirts for sale, and the buyer requests to see skirts in its place, the bot will arrange for its miserable default message such as “I’m sorry. I didn’t get that.’ And nothing can make your blood boil more than receiving a preloaded response as a reaction. Chatbots Letting Go Of a Sale Nothing destroys a would-be purchaser’s enthusiasm more than a cheap and stupid Chatbot. An individual wants to pay money for a particular product, and even locates the company’s bot and messages it to set off communications with the business. But if in a buyer’s opening contact with a firm, a Chatbot mismanages and makes a mess of things, then the multinational, a second ago, failed to catch a thoroughly suitable buyer, thanks to a brainless Chatbot. Unpleasant Incidents With Clumsy Chatbots There’s nothing more unnerving than dealing with a tactless and bungling Chatbot. These hard-to-deal-with situations arise because the developers of these Chatbots didn’t try hard enough or have the time to make them brighter. Scores of Chatbots have dialogues that are ok, but several embarrassing instances can occur when bot developers don’t pay much attention to detail during their construction. More to the point, these awkward bots and their upsetting exchanges can negatively affect a company’s transaction and selling. How Chatbots Could Squander Business Money Signing up competent Chatbot developers is one way of getting around such difficulties. The Chatbot designers should be cautious enough to first test it and ensure that they’ve opted for the finest and appropriate keywords to trigger certain responses. Here is how the decision-tree logic runs: A specific phrase or keyword triggers a response from the Chatbot. This implies that if developers don’t devote a sufficient period of time, inserting the precise word triggers to the bot’s intelligence, it will stay on as simple. And it is meaningless to have conversation with a simple Chatbot. As a matter of fact, the simple Chatbot could lead to loss in a company. Also Read: Effective ways to create Whatsapp Chatbot Chatbots Have Limited Awareness And Information A Chatbot’s information is limited in scope, area, or application as their awareness is controlled. Take for example, a Facebook Messenger Chatbot; it will only gather data about users with respect to certain interactions. It doesn’t take into consideration the following: If each visitor stops at a particular website on a regular basis What kind of things draw an individual’s attention How attractive the product is to the user That’s a setback because buyers generally have a preference for personalized offers. So, how will Chatbots furnish consumers with personalized offers when they have almost nil knowledge about them? In view of the fact that Chatbots don’t have knowledge of the user’s likes and dislikes, therefore they can’t customize their messages. And the public likes to receive offers that are made to order, with their name, buying history, etc. So, this becomes a tricky question for both Chatbot developers and businesses. Overestimated Prospects Of Gain From AI Bots There is plentiful gossip about AI Chatbots being primarily robots that can deliver superior and above-average interaction and exchange of ideas. Bots have their own distinguishing characteristics and behaviour and their faces either have human-like or robot-like appearances. This intensification of possibilities was mainly due to ambitious and single-minded merchants of NLP engines who wanted to propagandize this new and promising but not fully formed technology. Despite that, trade and industry are hopeful of receiving true intelligence in Chatbots. This is an unreasonable and unjust expectation from businesses as this is a nascent technology in its early stages. Wrong Approach Towards Training AI bots require training to arrive at an agreed standard of proficiency. Training here means giving help to a Chatbot so that it can improve its ability to spot intent and context in which it is running a dialog. Pragmatically speaking, a system administrator (or a NLP, Conversation expert, etc) Should re-evaluate the failovers Enrich the rules in NLP engine to improve recognition of user intents That is the dead loop. One option is to have a good corpus conversation to train your NLP engine on the relevant conversations and on the other hand, the user will not begin speaking to your Chatbot until it is in an excellent condition. Consequently, you are not able to get a general idea of the conversations. So, What Are The Choices Available To Us? As a matter of fact, there are 2 possibilities: Accept superior tools and processes Stay away from using AI Chatbots Make AI Bot Training Process More Desirable Just now, AI bot training procedures can be improved in a more excellent way without waiting for influential companies to bring their solutions up-to-date or making un-reasonable investments in data science by: Utilising all of your obtainable conversations with end clients to train your NLP engine from the very beginning. a) No matter what you have (call records, mail conversations or queries to live agent to your FB), anything and everything can be utilized to train your NLP before the day zero. In case, body of historical conversations is not available, then live agents, who will track the defined conversation scripts can be employed. b) When a sufficient amount of training has been imparted, automatic responses, little by little, can be fetched. Engage a live agent immediately when the intent is not recognized or a customer is displeased with the response. c) This technique maybe expensive but is satisfying for users and is unlike the publicized flow -make your AI bot public first and train it once it speeds up. Also Read: ChatBot In Healthcare Upgrading The NLP Engines NLP Engines will also start to improve. For example: The NLP engines must help out and back generic spelling mistakes (which nowadays is not the case) is more advantageous when the number of intents in the system is on the rise. Besides, they should find out from all the conversations in the system (and not just in a single account) and understand; moreover, they can offer suggestions on what is absent in the bot. The dissimilarity between NLP engines, English, in particular is nowhere to be found; from NLU point of view, they look the same. Is Having AI Chatbots a Necessity? A lot of customers anticipate and insist on a specialized service from the Chatbot like: Booking an appointment Paying for a ticket Placing an order Making a reservation in a restaurant, etc. They do not expect Chatbots to participate in all kinds of conversations. For instance: When you enter a supermarket, do you look forward to having discussions on AI with their shop assistants? In all probability, the answer is NO. Something similar can be said about a Chatbot. If Chatbots are not indispensable in your organisation, then you can safely stay away from them. NLP For English And Western European Languages Is Sufficient NLP engines are very much controlled and shown the way by market demand and features of the language (it is structured). In addition, there are either a few NLP engines for other languages or they are inaccessible. For example, there is no NLP engine for Ukrainian. Prior to building a Chatbot in a specific language, it is necessary to scrutinise that language first. Possessing an adequate amount of conversations (in that language) to train the bot, right from the very start is an essential criterion. AI Chatbots are not advocated if there is shortage or absence of conversational data. If one proceeds, despite unavailability of conversational data, it will result in unpleasant experiences and misuse of time and money. Thus, if a considerable quantity of conversations in a certain language is un-available, then either apply the above-mentioned procedures or do not build AI Chatbots in that language. When Chatbots Are Absolutely Necessary There are occasions when AI must be supplied to your Chatbot. Take for example, in situations where the Chatbot interface does not provide for any buttons. WhatsApp and SMS are the best examples of such occurrences. Using Chatbots here is unavoidable. It is better that Chatbots have buttons and distinct conversations when plenty of content have to be passed on to the end-users. For instance: A large FAQ requires such kinds of Chatbots. Conclusion AI growth has reached its zenith; if implemented judiciously, Chatbot Development can be a great blessing.

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