E-Business
IBM Reveals 5 Innovations That Will Change Lives

IBM has unveiled the eighth annual “IBM 5 in 5” (#ibm5in5) – a list of innovations that have the potential to change the way people work, live and interact during the next five years.
This year’s IBM 5 in 5 explores the idea that everything will learn – driven by a new era of cognitive systems where machines will learn, reason and engage with us in a more natural and personalized way.
These innovations are beginning to emerge enabled by cloud computing, big data analytics and learning technologies all coming together, with the appropriate privacy and security considerations, for consumers, citizens, students and patients.
Over time these computers will get smarter and more customized through interactions with data, devices and people, helping us take on what may have been seen as unsolvable problems by using all the information that surrounds us and bringing the right insight or suggestion to our fingertips right when it’s most needed.
A new era in computing will lead to breakthroughs that will amplify human abilities, assist us in making good choices, look out for us and help us navigate our world in powerful new ways.
“We know more now than any other generation at any time has known. And yet, we struggle to keep up with this flood of increasingly complex information, let alone make sense of the meaning that is inherent in the massive amounts of data we are acquiring at ever faster rates,” said Dr. Dario Gil, Director, Cognitive Experience Lab, IBM.
“By creating technology that is explicitly designed to learn and enhance our cognition we will usher in a new era of progress for both individuals and for society at large.”
The IBM 5 in 5 is based on market and societal trends as well as emerging technologies from IBM’s Research labs around the world that can make these transformations possible.
Here are the five predictions that will define the future and impact us at a personal level:
The classroom will learn you
The number of individuals who don’t have a sufficient education is a major global challenge.
Estimates show that, on a global basis, nearly 2 out of every 3 adults have not achieved the equivalent of a high school education.
What if a student could go through their entire stages of education and master the skills critical to meeting their personal goals in life?
The classroom of the future will give educators the tools to learn about every student, providing them with a tailored curriculum from kindergarten to high school and on to employment.
In the next five years the classroom will learn about each student using longitudinal data such as test scores, attendance and student’s behavior on e-learning platforms, not just aptitude tests.
Sophisticated analytics delivered over the cloud will provide decision support to teachers so they can predict students who are most at risk, their roadblocks, and then suggest measures to help students conquer their challenges based on their individual learning style.
IBM scientists are already getting to work in the classroom. In a first-of-a-kind research project with Gwinnett County Public Schools, the 14th largest school district in the US, IBM will leverage big data analytics and learning technologies for population analysis of longitudinal student records.
The project aims to identify similarities of learning, predict performance and learning needs, then align specific content and successful teaching techniques to improve outcomes for each of the district’s 170,000 students and ultimately increase the district’s graduation rate.
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Buying local will beat online
Shopping online is a national past time. Online sales topped $1 trillion worldwide for the first time last year, and are growing faster than in-store sales.
Online stores currently have an advantage in their ability to learn from the choices we make on the web.
Today, most physical stores are limited to the insights they can gain at the point of sale – and the trend of showrooming is making it harder to compete with online retailers who compete solely on price.
In five years, new innovations will make buying local du jour once again. Savvy retailers will use the immediacy of the store and proximity to customers to create experiences that cannot be replicated by online-only retail.
They will magnify the digital experience by bringing the web right to where the shopper can physically touch it.
In five years, retailers could rely on Watson-like technologies to equip sales associates to be expert about every product in the store.
With technologies such as augmented reality and the recently announced plan to open Watson as an app development platform, IBM is providing shoppers with better in-store browsing and buying experiences.
As mobile devices supported by cloud computing enable individuals to share what makes them tick, their health or nutritional needs, virtual closets and social networks, retailers will soon be able to anticipate with incredible accuracy the products a shopper most wants and needs.
As a result, stores will transform into immersive destinations with experiences customized for each individual.
And given their proximity and multiple footprints, stores will be able to offer shoppers a variety of fast pick-up or delivery options, wherever the customer is. Two day shipping will feel like snail mail.
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Doctors will routinely use your DNA to keep you well
Cancer is a complicated disease and despite tremendous advances in research and treatment, the incidence of cancer has risen more than 10 percent since 2008, striking more than 14 million patients and claiming the lives of 8.1 million every year around the world.
Imagine if treatment could be more specific and precise – where computers could help doctors understand how a tumor affects a patient down to their DNA and present a collective set of medications shown to best attack the cancer.
In five years, advances in big data analytics and emerging cloud-based cognitive systems coupled with breakthroughs in genomic research and testing could help doctors to accurately diagnose cancer and create personalized cancer treatment plans for millions of patients around the world.
Smart machines will take the output of full genome sequencing and scour vast repositories of medical records and publications to learn and quickly provide specific and actionable insights on treatment options for oncologists.
Cancer care, personalized right down to a genomic level, has been on the horizon since scientists first sequenced the human genome, but few clinicians have access to the tools and time to assess the insights available at this level.
Within five years, cloud-based cognitive systems could make such personalized medicine available at a scale and speed never before possible.
IBM is beginning to explore this opportunity, working with health care partners to develop systems that could deliver genomic insights and reduce the time it takes to find the right treatment for a patient from weeks and months to days and minutes.
These systems are destined to get even smarter over time by learning about people, their genomic information and response to drugs – opening up the possibility to provide DNA-specific personalized treatment options for conditions such as stroke and heart disease.
Through the cloud, smarter healthcare could scale to reach more people in more locations, while also giving a global community of healthcare providers access to vital information.
***
A digital guardian will protect you online
Today we have multiple IDs and devices than ever before, yet security is highly fragmented, leaving us vulnerable. In 2012 there were more than 12 million victims of identity fraud in the United States.
Traditional approaches to security — passwords, anti-virus or a firewall – are not comprehensive.
These rules-based approaches fall short in several ways – they are designed to recognize only known viruses or known fraudulent activity and typically only look at a single source of data.
In five years, each of us could be protected with our own digital guardian that will become trained to focus on the people and items it is entrusted with, offering a new level of identity theft protection.
Security will assimilate contextual, situational and historical data to verify a person’s identity on different devices.
By learning about users, a digital guardian can make inferences about what’s normal or reasonable activity and what’s not, acting as an advisor when they want it to.
Today, IBM scientists are using machine learning technologies to understand the behaviors of mobile devices on a network in order to assess potential risk.
In the future, security is going to become more agile and contextual with a 360 degree of data, devices and applications, ready to spot deviations that could be precursors to an attack and a stolen identity.
***
The city will help you live in it
By 2030, the towns and cities of the developing world will make up 80 percent of urban humanity and by 2050, seven out of every 10 people will be a city dweller.
In five years smarter cities understand in real time how billions of events occur as computers learn to understand what people need, what they like, what they do, and how they move from place to place.
Soon it will be possible for cities and their leaders to understand and digest new information freely provided by citizens, knowing which city resources are needed, where and when, so the city can dynamically optimize around the needs of the citizens.
Mobile devices and social engagement will enable citizens to strike up a relationship with their city leaders.
This concept is already in motion, for example, in Brazil, IBM researchers are working on a crowdsourcing tool that allows users to report accessibility problems, via their mobile phones, to help people with disabilities better navigate challenges in urban streets.
While in Uganda, UNICEF is collaborating with IBM on a social engagement tool that lets youth communicate with their government and community leaders on issues affecting their lives.
These types of tools will become commonplace in helping city leaders identify trending concerns or urgent matters and immediately take action where needed.
E-Business
Firm Identifies AI as Common Denominator in Entertainment Industry’s 2026 Security Threats

In its Kaspersky Security Bulletin, the cybersecurity company’s researchers identified critical threats expected to affect the global entertainment industry in 2026, from ticketing and visual effects pipelines to content delivery networks, games and regulation.

Artificial intelligence is changing how people buy tickets, watch movies and play games – and it is also changing how malicious actors target those experiences.
The entertainment industry is particularly sensitive to AI because the technology does not only automate back-office workflows; it increasingly creates and imitates the core product itself – human-centered stories, performances and visual experiences.
Kaspersky researchers highlighted five critical threats emerging as AI integrates deeper into entertainment workflows and consumer experiences.
What happens when ticket markets become an arms race between algorithms and scalpers? Kaspersky predicts that AI will make dynamic pricing faster and more granular, while also giving scalpers better tools to identify profitable events, deploy bots at scale and manage resale pricing across multiple platforms.
Even when artists choose fixed face values, AI-driven resellers can recreate “dynamic” pricing on secondary markets by adjusting prices in real time based on demand signals.
How will AI-commodified visual effects affect the risk of leaks? As high-end computer-generated imagery becomes more accessible through cloud-based AI platforms, studios will connect to larger networks of small vendors and freelancers.
Kaspersky expects attackers to target this extended supply chain by compromising render farms, plug-ins or small post-production houses in order to quietly steal sequences, assets or episodes before release, bypassing more heavily protected studio environments.
Could content delivery networks become a direct target? CDNs now carry unreleased episodes, game builds and live streams for many major entertainment brands, concentrating valuable content in a small number of providers.
AI-enhanced attackers will be able to map CDN infrastructure more efficiently, locate where premium content resides and search for weak credentials or configuration errors. A single successful compromise could expose multiple titles at once or allow malicious code to be injected into legitimate streams.
How will generative tools change abuse patterns in games and fan communities? Players and power users will continue to jailbreak in-game AI companions and content editors, and to use external generative models to produce material that would normally be blocked – such as hyper-violent or sexualized scenarios – and then reimport it into games, mods, or fan videos.
There is also a risk of personal data appearing in “creative” outputs if training or fine-tuning data is not properly cleaned, for example, when lyrics, dialogue, or imagery inadvertently include real names or other identifying details.
What role will regulation and compliance play for AI in creative work? Lawmakers and industry groups are moving toward rules that require transparency about AI-generated media and clearer consent and licensing practices for training on copyrighted material.
Kaspersky expects this to drive the creation of new roles inside entertainment companies, similar to COVID-compliance managers on film sets, focused on AI governance: checking how AI tools are trained, how they are used in production and marketing, and whether they comply with contractual and legal requirements.
“As we examined different parts of the industry, it became clear that AI is the thread running through most of the emerging risks.
“By diving into this, we wanted to highlight that AI will not only help defenders detect anomalies faster, it will also help attackers model markets, probe infrastructure and generate convincing malicious content.
“Studios, platforms and rights holders need to treat AI systems, and the data behind them, as part of their core attack surface, not just as creative tools, and build security and governance around that reality,” said Anna Larkina, web content analysis expert at Kaspersky.
E-Business
Firm Detected a Fivefold Surge in QR Code Phishing Attacks in the Second Half of 2025

Kaspersky has reported a spike in phishing emails containing malicious QR codes. Detections for these jumped from 46,969 in August 2025 to 249,723 in November 2025 – a more than fivefold growth – as cybercriminals increasingly exploit QR codes, a trend that will likely continue in 2026.

Attackers use QR codes in emails more frequently because they provide a simple and cost-effective way to conceal malicious URLs, evading detection by many protective solutions.
These QR codes are often embedded directly in email bodies or, even more commonly, within PDF attachments – an evolution that both masks phishing links and encourages users to scan them on mobile phones, which may have weaker security than work PCs.
Malicious QR codes commonly appear in mass phishing campaigns as well as targeted ones. Links embedded within them may lead to:
- Phishing forms impersonating login pages for services like Microsoft accounts or internal corporate portals, designed to steal usernames, passwords, and other credentials.
- Fake HR notifications urging employees to review or sign documents, such as vacation schedules, or even view lists of terminated staff, ultimately directing to credential-stealing sites.
- Fraudulent invoices or purchase confirmations in PDF attachments, often combined with vishing (voice phishing) tactics that prompt victims to call provided phone numbers to “cancel” or clarify the transaction, enabling further social engineering attacks.
These tactics exploit trust in routine business communications, leading to credential theft, account takeovers, data breaches, and financial fraud.
“Malicious QR codes have evolved into one of the most effective phishing tools, particularly when hidden in PDF attachments or disguised as legitimate business communications like HR updates.
“The explosive growth in November 2025 highlights how attackers are capitalising on this low-cost evasion technique to target employees on mobile devices, where protection is often minimal.
“Without advanced image analysis at the email gateway and safe scanning practices, organisations are left vulnerable to credential compromise and downstream breaches,” comments Roman Dedenok, Anti-Spam Expert at Kaspersky.
To defend against this escalating threat, Kaspersky recommends educating employees on cybersecurity and deploying a mail server security solution such as Kaspersky Security for Mail Server that provides trusted and secure corporate email exchange, countering spam, email-borne infections, all forms of phishing, business email compromise (BEC), QR code attacks, and other threats.
E-Business
JustMarkets Unveils Top 5 Trading Assets for 2026 Profits

As the world markets continue into a new cycle that sees them plunging into much trouble and uncertainty, the year 2026 beckons to be one that is ridden with high uncertainty and volatility in terms of geopolitical and macroeconomic trends. Although the year may pose various threats to traders, it also comes along with unparalleled opportunities that may be leveraged to achieve trading success through various trading assets set to display notable volatility trends in the year 2026.

JustMarkets
From long-term fundamentals to trading dynamics, these five key assets on JustMarkets are set to continue to be at the forefront in trading in 2026.
1. Gold (XAU/USD): The Ultimate Macro-Driven Asset
The gold price in 2025 reached $4,500 per troy ounce, and it continues to be one of the most traded assets world-wide. Gold is extremely sensitive to changes in the levels of inflation, interest rate forecasts, geopolitical events, and currency exchange rate movements. The recent years have shown the ability of the gold market to provide an extremely strong bullish momentum, as well as intraday momentum.
The relevance of the market of gold in the year 2026 specifically stems from the fact that the environment surrounding the economy of the world is facing challenges associated with growth, debt, and the policies of monetary easing. Despite the falling inflation rate in the economy, the real interest rates are also expected to be pressured downward, which has traditionally translated to favorable market conditions for the price of gold. The factor of geopolitics uncertainty and tensions between specific countries also adds to the significance of the market of gold.
For traders, the market offers favorable conditions because of its high volatility regime with adequate liquidity.
2. Silver (XAG/USD): Volatility with a Dual Personality
Silver often overshadows gold, but its performance in 2025 significantly outperformed its main competitor. The precious metal briefly reached $85, making it one of the best-performing assets in 2025. While silver, like gold, is sensitive to monetary policy and market sentiment, it also enjoys strong industrial demand related to energy transition technologies, electronics, and manufacturing.
This dual nature makes silver one of the most volatile and fastest-growing precious metals and trading instruments overall. In 2026, as global growth expectations fluctuate and industrial cycles remain uneven, silver will experience sharp directional movements and prolonged periods of volatility, but will fundamentally maintain a growth trend similar to gold.
For traders seeking high volatility, silver offers even greater percentage swings than gold, making it a powerful tool for well-managed strategies, both scalping and holding positions for multiple days.
3. Oil (WTI & Brent): Trading Supply, Politics, and Policy
Oil is still among the market-sensitive commodities. The change in OPEC+ production levels, global events affecting major oil-producing nations, as well as changes in global demand can cause prices to surge within a matter of hours.
Turning the focus on the outlook for the year 2026, it seems likely that the oil market will face well-supplied conditions. However, this will not mean extremely small degrees of volatility. Events surrounding Venezuela represent yet another key source of uncertainty. Changes within US policies regarding Venezuela, the export of oil, and the political leadership of the country could represent important influences on the levels of supply, especially when the focus shifts towards the heavier grades. Yet, the possibility of a substantial recovery looks very unlikely.
Even in highly saturated markets, surprise disruptions, production policy changes, or geopolitical tensions, particularly in the Middle East, Eastern Europe, and Latin America, can cause sharp price moves. Conversely, macroeconomic growth slowdowns or money market cycles may exert pressures on demands, thereby leading to highly two-sided markets.
4. US Stock Indices (Dow 30, S&P 500, Nasdaq): Liquidity and Trend Potential
US indices continue to be key trading assets in global trading activity. The Dow Jones, S&P 500, and Nasdaq reflect US economic performance, as well as global risk appetite, capital flows, and technological leadership, primarily driven by the AI boom.
In 2026, stock markets are likely to face divergent forces. On the one hand, monetary easing is supporting valuations, while slowing economic growth, declining interest in AI, and political uncertainty are increasing volatility and the risk of a deeper sell-off. This combination often leads to strong moves, deep corrections, and renewed all-time highs.
Indices offer unrivaled liquidity, clear technical behavior, and the ability to express macroeconomic views without the risk associated with individual stocks, making them important tools for both short-term and position traders.
5. EUR/USD: The World’s Most Traded Currency Pair
EUR/USD remains the benchmark for forex trading. Its deep liquidity, tight spreads, and technical clarity make it a favorite among professional traders. More importantly, the euro reflects the balance between the world’s two most influential central banks: the Federal Reserve and the European Central Bank.
As interest rate differentials narrow and fiscal dynamics shift on both sides of the Atlantic, there’s every reason to believe EUR/USD will experience prolonged and powerful trending phases, punctuated by strong reactions to economic data and central bank signals.
In 2026, shifts in growth expectations, inflation trajectories, and political developments in both regions will keep this pair highly active, making EUR/USD a preferred option for traders who value stability, transparency, and adaptability across all trading styles.
Perfect Assets to Trade in 2026
These five markets unite their relevance on a global stage, and the responsiveness of these markets to macroeconomic and geopolitical events. Markets traded in gold, silver, oil, US indices, and the currency pair EUR/USD include the combination of markets most traders seek: deep liquidity, clear structure, and meaningful volatility.
On the JustMarkets trading platform, these instruments excel because of the optimal trading conditions offered, ensuring effective active trading. Tight spreads, fast execution of orders, as well as high leverage of up to 3000, enable traders to react swiftly to key market drivers, such as central bank statements or inflation figures, as well as geopolitical events.
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