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The latest news from Business Insider

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    Global VR Headset

    This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

    The virtual reality (VR) market is expected to rally in 2018 after seeing slow growth from 2016 to 2017. The uptick will be largely catalyzed by the emergence of the newest headset form factor, stand-alone VR headsets, which address some of the biggest pain points that have prohibited mainstream consumers from adopting VR.

    This new form factor is more affordable than cost-prohibitive high-end headsets and more capable than its smartphone-powered counterparts. Additionally, it features in-unit processing that frees the VR headset from wires. The first major stand-alone headset, the Vive Focus from HTC, was launched in January of this year, and more from other major companies like Oculus and Google are expected to follow over the next six months. 

    In a new report, Business Insider Intelligence lays out where the VR market is and forecasts how it will grow over the next five years. We dissect the various hardware categories and the unique strengths and opportunities of each, and identify how they will gain traction at different points of the market’s evolution. Finally, we examine various components impacting consumer adoption.

    Here are some of the key takeaways:

    • Business Insider Intelligence forecasts shipments of all VR headsets to grow 69% year-over-year (YoY) to reach 13.5 million in 2018. Powering that growth is the stand-alone VR headset category, which is expected to account for 30% of total headsets shipped in the year ahead. 
    • The VR hardware market is volatile because getting a device right is a balancing act. On one hand, the price point needs to be affordable for most consumers, and on the other, the experience has to be distinctive and immersive enough to convince a consumer to strap a visor to their face on a regular basis. 
    • While only a handful of stand-alone VR headsets will hit the market in 2018, they mark the biggest step toward mainstream adoption of consumer-oriented VR headsets by making the technology more accessible for the average consumer. 
    • Declining price points, coupled with high-quality headsets and the introduction of a game-changing app, are crucial for the VR industry to achieve before VR can really gain traction on a global scale.

    In full, the report:

    • Forecasts the growth projections and shipment expectations of the global VR headset market, and breaks it up by the major headset categories.
    • Explores the four major segments in the current VR hardware market, defined by the hardware needed to power the experience — stand-alone, smartphone-powered, PC-powered, and game console-powered VR.
    • Identifies the key players shaping the burgeoning stand-alone VR headset segment.
    • Discusses the biggest challenges to VR development and adoption.

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
    Learn More

    Purchase & download the full report from our research store

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    This is a preview of a research report from Business Insider Intelligence. Current subscribers can read the report here.

    tv usage decline

    As streaming becomes an increasingly mainstream behavior among consumers, the video industry has produced new combinations of streaming video programming services to prepare for the progressive overhaul in how media is distributed.

    These streaming bundles have emerged in response to the problems of media fragmentation, cord-cutting, and high consumer costs. Declining usage of traditional TV across every demographic, particularly among young viewers, has also demanded new solutions to the traditional distribution model that is pay-TV.

    Although streaming media bundles are still evolving, four distinct models have emerged:

    • Skinny bundles — Cheaper, streaming versions of the traditional pay-TV bundle, but with fewer channels.
    • SVOD aggregators — Facilitate a la carte sign-ups to third-party streaming services through a central user portal. The primary example so far is Amazon Channels, Amazon's SVOD partner program. 
    • SVOD integrations — SVOD services like Netflix that bring their offerings to a traditional operator's service.
    • Streaming service partnerships — Combine one or more streaming services under a single offering, at a lower cost than the total price separately.

    In the SVOD Bundling Report, Business Insider Intelligence examines the state of the US video ecosystem and how media companies are refining their distribution strategies to meet the changing needs of consumers. The report situates each of the four bundle model types within the overall SVOD market, and investigates the overarching advantages and challenges each faces. Finally, we predict how player dynamics might transform and adapt, outlining best practices for providers to succeed within the new TV landscape.

    Here are some of the key takeaways from the report:

    • SVOD bundles partake in a growing SVOD market in the US. Business Insider Intelligence estimates that the SVOD market totals $13.6 billion in 2018, primarily driven by uptake on services from SVOD giants Netflix, Hulu, and Amazon Prime Video. 
    • Streaming video accessed on over-the-top (OTT) platforms is going mainstream, while consumers — particularly younger viewers — are reducing usage on live, linear TV. Traditional TV usage among viewers ages 18-24 has dropped 48% since 2011, 35% among 25-34 year olds, and 18% in the 35-49 demographic. 
    • Skinny bundle services are growing in popularity, with 7.2 million subscribers in the US, but they suffer fundamental financial sustainability problems. 
    • Distributors with at-scale platforms and powerful back-end tech can capitalize on the growing consumer demand for content consolidation among consumers. Faced with a fragmented and expanding universe of content options, more than two-thirds of consumers say they would prefer to get all their services from a single source, per Hub Entertainment Research. 
    • Winners in the bundling shakeout will have prioritized internet-connected tech, an effective user experience, reasonable pricing, and content diversity. 

    In full, the report:

    • Identifies the four SVOD model types that have emerged as alternatives or supplements to traditional distribution.
    • Investigates the top advantages and challenges of each model type.
    • Outlines strategies that players across media and distribution companies can use to address business or market challenges.
    • Explores how the dynamics of each model type will evolve as services converge under new bundled offerings.


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    lg rollable tv

    • The rollable TV technology that LG showed off at CES earlier this year will be released as a consumer product in 2019, according to a Bloomberg report.
    • The TV display itself is rolled up like a poster in its enclosure when not in use. It un-rolls and raises itself upward with a press of a button.
    • It may seem like a novelty, but there are some actual realistic applications for a rollable TV. 

    The rollable OLED TV technology that LG showed off at CES earlier this year will become a TV you can actually buy in 2019, according to Bloomberg, which cited a source familiar with the matter.

    LG's rollable TV was among the most popular and sensational products at CES 2018. With the press of a button, a large 65-inch TV display would emerge from a narrow rectangular box. With another press of a button, the TV display would lower itself back into its rectangular enclosure. 

    There's no word on pricing at the moment, and it's easy to expect an astronomical price tag. We'll have to wait and see what LG announces in 2019. 

    Check out LG's rollable 65-inch OLED TV in action:

    SEE ALSO: Modern TVs are making your movies look bad, Tom Cruise and director Chris McQuarrie say

    To fit inside its enclosure, the display itself needs to roll up like a poster. When it un-rolls itself out of the enclosure, the display is supported with a seemingly invisible frame.


    It may seem like a pointless novelty, but a rollable TV design has realistic applications.

    For one, it can be hidden from view when not in use, essentially doing away with the large rectangular black void that can affect a room's decor. Here's what it looks like when the display itself is rolled away inside its enclosure:

    LG's rollable TV can also roll itself down to better display certain videos.

    The TV display can roll itself down to the native aspect ratio of the movie you're watching, eliminating those letterboxing black bars you might see above and below the actual picture. It's true that letterboxing isn't a pressing problem to solve, but if it can be solved, then why not?

    See the rest of the story at Business Insider

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    The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

    l'occitane $52

    If you asked us why we love shopping at Nordstrom, we wouldn't even know where to begin.

    Maybe it's the curated selection of top brands across clothing, home, and beauty, or the unique limited-time collaborations with celebrities, influencers, and top designers. Perhaps we really enjoy the great customer service, on top of perks like free shipping all year round, in-store tailoring, and its free rewards program

    For these numerous reasons, we look to Nordstrom when it's time to shop for holiday gifts. It only carries the best brands, so it's hard to mess up while shopping here, but if we had to narrow down the selection to only 50, these are the gifts we would choose. 

    Most of these items are available with expedited shipping, and some should arrive within a few days' time, so don't stress too hard about your last-minute shopping — just remember that the sooner you order, the better your chances of a timely arrival.

    Shop all gifts at Nordstrom here.

    Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

    SEE ALSO: All of Insider Picks' holiday gift guides, in one place

    DON'T MISS: 64 cool and unique gifts for her — for every budget

    A pair of Bluetooth earmuffs

    Ugg Genuine Shearling Bluetooth Earmuffs, $95, available at Nordstrom

    They don't have to sacrifice warmth or music thanks to these stylish, fuzzy Bluetooth earmuffs. They're made from leather and soft genuine shearling. 

    A stylish, modern record player

    Crosley Radio Cruiser Deluxe Turntable, $69.95, available at Nordstrom

    Though it has a classic look, the turntable is also Bluetooth-compatible, bridging the gap for the tech-savvy who also happen to love a solid vinyl record. 

    A leather folio phone case

    Ted Baker London Bhait Faux Leather iPhone X & Xs Folio Case, $50, available at Nordstrom

    They don't have to choose between protection and aesthetic in their phone case. The understated case has a convenient card pocket inside so they can travel light. 

    See the rest of the story at Business Insider

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    Michael Corbat Brian Moynihan

    • Citigroup is facing $180 million in losses on loans gone sour to an Asian hedge fund, according to Bloomberg.
    • The fund reportedly got battered on foreign-exchange bets that went sideways. 
    • The bank's board is reviewing the issue and has already moved to shake up the unit responsible, and a key executive has left the firm after more than 20 years. 

    Citigroup is reportedly staring down losses of as much as $180 million on loans to an Asian hedge fund after the fund's foreign-exchange trades went sideways.

    The situation is fluid, but Citi's board is grappling with the substantial losses and is already shaking up the unit responsible, according to a report from Bloomberg. 

    Citi's FX prime brokerage unit — which lends to hedge funds — will be pulled from the currency trading division and put instead under its prime finance and securities services division, according to the report.

    Sanjay Madgavkar, a more than two-decade veteran of Citigroup who was head of the FX prime brokerage unit, is leaving the firm. He's being replaced by Chris Perkins, currently the head of over-the-counter clearing. 

    CFO John Gerspach revealed earlier this month that the bank's markets revenues had taken a hit in the fourth quarter, especially in rates and currencies, amid the market volatility, and that the bank may not hit its 2018 efficiency target.

    See also:

    Join the conversation about this story »

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    35 big tech predictions for 2018Technology is increasingly disrupting every part of our daily lives.

    Smart speakers and voice assistants let us interact with our homes and with retailers in new and seamless ways.

    Smartphones are taking over as the dominant shopping device.

    Viewers continue to move away from traditional TV toward digital platforms.

    And the list is growing.

    Nearly every industry has been disrupted by digital technologies over the past 10 years. And in 2018, we expect to see more transformative developments affect our businesses, careers, and lives.

    Business Insider Intelligence, Business Insider's premium research service, has put together a list of 35 Big Tech Predictions for 2018 across Apps and Platforms, Digital Media, Payments, Internet of Things, E-Commerce, Fintech, and Transportation & Logistics. Some of these major predictions include:

    • Cryptocurrencies will become more widely accepted
    • Google and Apple will challenge Amazon in the smart speaker space
    • The resurgence of the VR market
    • The real self-driving car race will begin
    • Drone regulations will relax
    • Alibaba’s international expansion
    • Gen Z will become a major focal point for media companies and advertisers
    • Payment security will become paramount
    • Smart home devices will take off

    This comprehensive list of 35 predictions can be yours for free today. As an added bonus, you will gain immediate access to our exclusive free newsletter, Business Insider Intelligence Daily.

    To get your copy of this FREE report, simply click here.

    Join the conversation about this story »

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    • Mitsubishi UFJ Financial Group has hired hedge-fund executive John Karabelas to run fixed-income sales in the Americas.
    • Karabelas, a 25-year vet with long stints at Deutsche Bank and BNP Paribas, will join as head of Institutional Investor Sales in the Americas in January.
    • His hire is the latest in a string of senior management changes in the Japanese bank's US credit sales business.

    Mitsubishi UFJ Financial Group has hired a hedge-fund executive to run credit sales as it continues to shake up its fixed income business in the US.

    John Karabelas, president of the credit hedge-fund Kildonan Castle Asset Management, will join MUFG in January as the head of Institutional Investor Sales in the Americas, a bank spokeswoman confirmed. 

    Karabelas is a 25-year industry vet who spent 15 years in credit sales at Deutsche Bank before leaving in 2010 to run North American credit sales at BNP Paribas. He left BNP for Kildonan in 2017. 

    He'll report to Bill Mansfield, CEO of MUFG Securities Americas, and Paul Lavelle, global head of Institutional Investor Sales at MUFG.

    "MUFG is committed to building the momentum we’ve already established across our institutional investor client base, and John’s depth and breadth of experience will be a natural fit into that plan," Mansfield said in a statement to Business Insider.

    MUFG is a giant in Japan, but its investment bank is a smaller player in the US market — it doesn't crack the top-10 on the industry league tables.

    But the bank has been quietly overhauling its fixed-income management team, a primary revenue generator in its US operation, as it looks to capture more business in the US market. 

    The hiring of Karabelas comes on the heels of a number of senior departures in credit sales a little over a month ago— Thomas Daly, David Nixon, John Cahil, and Tim Cavanaugh left in late October, according to FINRA records. 

    The firm additionally hired Dwyer Fleming, formerly an interest rate sales exec in hedge fund sales at Deutsche Bank, earlier this year, FINRA records show

    Join the conversation about this story »

    NOW WATCH: The legendary economist who predicted the housing crisis says the US will win the trade war

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    1TopRatedHotel NewYorkCity Beekman (38 of 45)

    • Condé Nast Traveler recently released its 2019 Gold List ranking of the best hotels in the world.
    • The editors selected the 78 best hotels around the world, which included the top 13 hotels in the US.
    • Only three American cities had more than one hotel on the list: New York City, LA, and Chicago

    From waterfront resorts in Miami and Hawaii to an oasis in the middle of the Utah desert, the best 13 hotels in America represent a wide range of luxury experiences.

    Condé Nast recently released its 2019 Gold List, in which the editors select the top hotels around the world. The list features 78 hotels, 13 of which are in the US.

    The hotels cover a wide range of prices, starting in the mid-$100s for a night at The Robey in Chicago and all the way past $1,000 for a night at Amangiri in Utah.

    Read more: 31 incredible hotels everyone should stay at in their lifetime, ranked by price

    Notably, several of these top-ranked hotels are repeatedly mentioned on lists of top hotels across the world; The Peninsula in Chicago and Four Seasons in Hualalai, for example, both also appeared on the US News & World Report's 2018 hotel ranking, as Business Insider previously reported.

    If you're more interested in personalized experiences at smaller hotels, consider taking a look at the top 14 boutique hotels in the world, from a romantic retreat in South Africa to a private villa in Thailand.

    Keep reading for a look at the best hotels in America. We also took a look at prices for rooms booked out one month in advance, and noted the starting rates.

    SEE ALSO: A 7-bedroom Swiss cabin has been named the world's best ski chalet for 2 years in a row — and an inside tour quickly proves why

    READ MORE: The 50 best restaurants in the world in 2018

    The Beekman, A Thompson Hotel, New York

    Rates starting at: $299/night

    The St. Regis New York

    Rates starting at: $779/night

    The Carlyle, New York

    Rates starting at: $1,000/night

    See the rest of the story at Business Insider

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    Michael Flynn

    • Lawyers representing Michael Flynn, the former national security adviser to President Donald Trump, were forced to change their story surrounding Flynn's guilty plea when pressed on their previous statements during a sentencing hearing on Tuesday.
    • First, Flynn's lawyers implied that he was entrapped by the FBI into pleading guilty.
    • But during Tuesday's hearing, Flynn threw cold water on his own lawyers' claims, saying he was pleading guilty because he was, in fact, guilty.
    • Flynn's lawyer was also forced to walk back his claims of entrapment when asked how such statements were consistent with Flynn accepting full responsibility for his actions.
    • Eventually, after the judge overseeing the case expressed "disdain" and "disgust" at Flynn's crimes, his lawyers shifted course and asked for another delay in his sentencing, which was ultimately granted.

    Tuesday marked yet another dramatic cliffhanger in the ongoing criminal case surrounding Michael Flynn, the former national security adviser to President Donald Trump.

    Flynn pleaded guilty last December to one count of lying to the FBI about his conversations with Sergey Kislyak, then-Russia's ambassador to the US, during a December 2016 phone call. He has been cooperating with federal investigators since.

    After five delays in his sentencing, Flynn and his lawyers appeared in court Tuesday along with prosecutors working for the special counsel Robert Mueller for what was initially believed to be his final sentencing hearing.

    But following a tense back-and-forth during which US District Judge Emmet Sullivan told Flynn he "sold" his "country out" and speculated about whether Flynn could be charged with treason, Sullivan ultimately agreed to delay his sentencing until March after lawyers representing the government hinted that Flynn may cooperate further.

    Flynn's lawyers, meanwhile, were forced to walk back several of their claims when Sullivan pressed them and it became clear that their client could face significant jail time for his actions.

    Donald Trump Mike Flynn

    Flynn's lawyers initially suggested he was entrapped by the FBI

    Flynn's attorneys struck a defiant tone when they suggested in a sentencing memo last week that Flynn was trapped into pleading guilty to lying to the FBI last year.

    Flynn "recognizes that his actions were wrong and he accepts full responsibility for them," they wrote. "There are, at the same time, some additional facts regarding the circumstances of the FBI interview" that are relevant to his sentencing, they added.

    Flynn's lawyers went on to point out that some aspects of Flynn's interview were handled by then-FBI deputy director Andrew McCabe and then-FBI special agent Peter Strzok. Both men were ousted from the bureau earlier this year amid withering attacks from Trump and his allies about their objectivity and purported anti-Trump bias and corruption.

    Moreover, Flynn's lawyers wrote that according to internal FBI records of the interview, McCabe and other FBI officials decided they "would not warn Flynn that it was a crime to lie during an FBI interview because they wanted Flynn to be relaxed, and they were concerned that giving warning might adversely affect the rapport."

    They further noted that one FBI agent who participated in interviewing the former national security adviser noted he was "unguarded" and "clearly saw the FBI agents as allies."

    The remarks appeared to play into Trump's claim that Flynn was duped into lying to agents.

    Michael Flynn

    Flynn's lawyers were forced to walk back their own claims when pressed

    On Tuesday, Flynn debunked his attorneys' suggestions of entrapment when Sullivan pressed him about the facts surrounding his plea last year.

    During the sentencing hearing, Sullivan asked Flynn whether he wanted to challenge the circumstances under which he was interviewed by the FBI.

    "No, your honor," Flynn replied.

    Sullivan later gave Flynn another chance to withdraw his guilty plea if he felt he had been unfairly coaxed into it.

    "I would like to proceed," Flynn said.

    Asked whether he wished to proceed because he was guilty, Flynn said, "Yes, your honor."

    Flynn also acknowledged that he "was aware" lying to the FBI was a crime at the time of his interview.

    At one point, Sullivan asked one of Flynn's attorneys, Stephen Anthony, if the former national security adviser was "entrapped by the FBI."

    "No, your honor," Anthony replied.

    When Sullivan asked Flynn's lawyer how raising questions about the circumstances of Flynn's lies to the FBI squared with his acceptance of responsibility, Anthony walked back his earlier claims of entrapment, saying the decision to make those statements were his alone and not Flynn's.

    Donald Trump Michael Flynn

    Sensing that Flynn could face significant jail time, his lawyers requested another delay

    Sullivan did not mince words when expressing his "disdain" for Flynn's actions during his sentencing hearing.

    "This crime" that Flynn committed, lying to the FBI, "is very serious," he said.

    "In the White House! In the West Wing!" Sullivan said, adding that Flynn "can't minimize" his "very serious offense."

    "Arguably," Sullivan added, "you sold your country out."

    Sullivan also asked the government whether Flynn could be charged under the Logan Act, and even whether he could face charges of treason. Prosecutors declined to broach that territory.

    "I'm not hiding my disgust, my disdain for this criminal offense," Sullivan said.

    After the court returned from its recess a little after noon on Tuesday, Sullivan amended some of his comments, saying he was merely asking about treason, not implying that Flynn committed it.

    Nonetheless, Flynn's lawyers requested another delay in his sentencing, which Sullivan granted.

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'

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    CEO of MoviePass Mitch Lowe attends 'An Evening with Beverly Luff Linn' Dinner presented by MoviePass on January 20, 2018 in Park City, Utah.

    • Helios and Matheson, the parent company of MoviePass, reached an agreement with its creditors Tuesday to reduce its outstanding debt.
    • The move also will eliminate all of its outstanding convertible notes and replace them with non-convertible notes.
    • By eliminating its convertible notes, the company freed itself up to sell potentially billions of new shares of stock.
    • But the move comes on the same day that the Nasdaq could delist Helios and Matheson's stock.

    The parent company of MoviePass, just gave itself some more room to maneuver, at least from a financial perspective.

    Helios and Matheson reached an agreement with its creditors that reduces the amount it owes them and frees it up to sell billions of additional shares of its stock.

    The company announced Tuesday that it will exchange two sets of convertible notes — debt that could be converted into stock — for new non-convertible ones. As part of that of that agreement, it will reduce the outstanding principal that it owes creditors from $44.5 million to $11.3 million. And the agreement allows the company to pay off the debt early for just half that amount, or about $5.7 million.

    "Following consummation of the transactions contemplated by the exchange agreements, the company no longer has any outstanding convertible notes," Helios and Matheson said in a regulatory filing. 

    Representatives of the company did not immediately respond to an email seeking comment.

    Helios and Matheson's future is in doubt

    The reduction of the debt is significant for the company. The company has repeatedly warned investors that there is "substantial doubt" about its ability to continue as a going concern. As of September 30, it had just $4.9 million in cash on hand, while its operations had burned through more than $100 million in cash in the previous quarter. 

    But the cancellation of the convertible notes could also prove important for Helios and Matheson. The company has funded its ongoing operational losses from MoviePass' money losing theater ticket subscription service largely by issuing and selling new shares of stock, massively diluting shareholders in the process.

    Read this:MoviePass' parent company increased its share count by an incredible 9,000% in less than two weeks — and just after reverse splitting its stock to combat dilution

    In recent months, though, its outstanding convertible notes have inhibited it from selling large numbers of new shares. The company has had to keep in reserve a certain number of shares if those notes were redeemed. As the company's stock price declined with its past dilution, the number of shares it had to set aside grew in inverse proportion, so that combined with the number of shares Helios and Matheson already had in circulation, the combined number exceeded the 5 billions shares it was authorized to issue.

    In October, the company exchanged convertible notes it issued in June for non-convertible ones, alleviating some pressure on its share count. This move frees it up further still.

    The agreement frees it up to sell more shares

    Prior to the new agreement with its creditors, Helios and Matheson had 1.7 billion shares in circulation and 2.6 billion in reserve for the convertible notes, employee stock awards, and other purposes, according to documents it filed Tuesday with the Securities and Exchange Commission. With the cancellation of the convertible notes, it will only have to keep of fraction of those 2.6 billion shares in its reserves. 

    Unfortunately for the company, the move comes on the same day as it's in danger of being delisted by the Nasdaq. After Helios and Matheson's stock fell below $1 a share in May, the exchange warned the company that it would delist its stock unless it got it back above $1 a share on a consistent basis.

    The company has been unable to do that, despite reverse splitting its stock in July. Helios and Matheson cancelled a shareholder vote that would have given it permission to do a second reverse splitafter encountering widespread investor resistance.

    Should the company's stock be delisted, Helios and Matheson could find it harder to sell new shares and raise additional funds. 

    SEE ALSO: MoviePass' parent company has boosted its share count by an unbelievable 80,000% since July — but it's run out of room to issue new stock

    Join the conversation about this story »

    NOW WATCH: Why it's so difficult to land a spacecraft on Mars

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    Ajit Pai

    • The Federal Communications Commission is fueling the war over media consolidation by opening the door to another deregulatory spree targeting rules that stop local broadcasters from merging.
    • The deregulation of the local media space has added more juice to an already merger-hungry market among broadcasters.

    The Federal Communications Commission is fueling the war over media consolidation by opening the door to another deregulatory spree targeting rules that stop local broadcasters from merging.

    Why it matters: The FCC may have killed the Sinclair-Tribune deal, but the overall trend is towards fewer owners for local news outlets — which are still vital sources of information for many Americans.

    Details: The FCC voted last week to begin a legally mandated review of the agency’s media ownership rules.

    • That includes asking whether the current rule — which bans a company from owning more than one of the top four stations in a market — “continues to foster competition, the stated primary goal of the rule, and thus should be retained or whether the promotion of localism or viewpoint diversity also provides justification for retaining the rule.” (Right now, you can own two stations in a market — but only one of the top four, unless the FCC waives the prohibition.)
    • It also asks for input on the necessity of a rule that two of the nation’s top four networks — NBC, ABC, CBS and Fox — can’t merge at the local level.

    The big picture: The deregulation of the local media space has added more juice to an already merger-hungry market among broadcasters.

    • In an email, Paul Gallant, an analyst with Cowen Washington Research Group, said that getting rid of the prohibition on owning two of the top-four stations “would really improve the long term health of TV stations, especially in smaller markets.”

    The other side: Opponents of media consolidation says it shrinks the number of voices from which consumers can get important local news and information.

    • Last year, the FCC decided to make it easier for the same person to own a broadcast station and a newspaper in the same market. It also removed a requirement that there be eight independently owned stations in any given market.
    • “We’re getting to a point where if they weaken it even further in small markets you could have one media voice across the board,” said Gigi Sohn, a top adviser to former FCC Chairman Tom Wheeler, a Democrat.

    Yes, but: Not included in the review is the overall cap on the percentage of the overall national audience a single company's network of stations can reach.

    What’s next? The public will be able to submit comments on the FCC’s review — which doesn’t suggest any specific proposals — before the agency releases a final report. The agency could keep the rules the same, change them or eliminate them outright.

    Join the conversation about this story »

    NOW WATCH: Why Harvard scientists think this interstellar object might be an alien spacecraft

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    IP gift guide banner

    The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

    Uncommon Goods, $40

    Shopping for coworkers can become a never-ending parade of mild pine-scented candles, Hallmark cards, and candy that is destined for retirement in a desk drawer for most of January. It's easier to buy thoughtful, impactful gifts for your closest loved ones, and it gets harder once you add in the subtleties and professionalism of the workplace.

    However, there are hordes of fantastic gifts out there for coworkers. And they don't have to be expensive — in fact, they probably shouldn't be. The ideal colleague present is thoughtful, unique, and lands somewhere in the casual middle ground between re-gifting paperclips from the supply closet and an all-expenses-paid trip to the Caribbean. 

    Most of these items are available with expedited shipping, and some should arrive within a few days' time, so don't stress too hard about your last-minute shopping — just remember that the sooner you order, the better your chances of a timely arrival.

    Below, you'll find 35 of the best coworker gifts for under $50. You'll also find 22 work-appropriate yet thoughtful gifts for your boss for under $50 here.

    Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

    SEE ALSO: All of Insider Picks' holiday gift guides, in one place

    DON'T MISS: 22 work-appropriate yet thoughtful gifts for your boss — all under $50

    A three-month subscription of freshly roasted whole bean, single-origin coffees from a cool startup

    Driftaway Coffee Subscription, Three Months, available on Driftaway Coffee, from $39

    If they're practically tethered to the coffee pot, they'll probably love the fun and thoughtful gift of a three-month subscription to this cool Brooklyn startup's beans. Driftaway sends freshly roasted, whole bean, single-origin coffees from around the world to their doorstep.

    Note: Order by 12/20 for priority shipping and 12/21 for express shipping

    An Atlas Obscura calendar full of daily photos and tidbits about the world's strangest and coolest places or festivals

    Atlas Obscura Color Page-A-Day Desk 2019 Calendar, available on Amazon, $21.99

    Add some fun to their day-to-day routine with the Atlas Obscura calendar. There are hundreds of photos that celebrate the world's strangest and coolest places, festivals, and foods. Travelers and life-long learners are particularly good candidates for this one. 

    A funny mug that acknowledges the bond forged by people who have to fix the same defunct printer every week together

    The This is Fine Mug, available on Etsy, from $9.99

    A "This is Fine" mug is the perfect gift for the only other people on earth who can truly relate to the particularities of your job: a defunct printer, last night's too-fun team happy hour, and the occasional avalanche of meetings and high-priority emails. Here's a $13 nod to the fond shared stressors. 

    See the rest of the story at Business Insider

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    earthrise apollo nasa AS8 14 2383HR

    • December 21 marks the 50th anniversary of NASA's Apollo 8 moon mission, which was the first crewed flight to the moon.
    • Humanity has since racked up an impressive list of firsts in human and robotic spaceflight.
    • Our spacecraft have visited every planet in the solar system, reached interstellar space, sampled comets and asteroids, enabled astronauts to live in orbit for two decades, and more.

    The year 1968 is not exactly remembered as a great time in the US, let alone on Earth.

    "There was the Vietnam War going on, it was not a popular war, especially with the younger people," Jim Lovell, a retired NASA astronaut, previously told Business Insider. "There were riots, there were two assassinations of prominent people during that period, and so things were looking kind of bad in this country."

    But Lovell and his fellow crew members' unprecedented mission to the moon — Apollo 8— brought much of America and the world together.

    They entered the history books as the first humans ever to leave Earth's clutches, reach the moon, and orbit it. They were also the first to see and personally describe the humbling splendor of our planet from 240,000 miles away.

    "When I put my thumb up to the window I could completely hide it," Lovell said. "Then I realized that behind my thumb that I'm hiding this Earth, and there are about 6 billion people that are all striving to live there."

    Since that first lunar flight almost exactly 50 years ago, humanity has reached even farther and more ambitiously into space. 

    Here are some of the most important feats of human and robotic spaceflight since Apollo 8.

    SEE ALSO: 50 years have passed since NASA's Apollo 8 mission circled the moon for the first time. Here is every Apollo mission explained.

    DON'T MISS: 2019 will be an extraordinary year in space. Here's what NASA, SpaceX, and the night sky have in store for planet Earth.

    Apollo 8 astronauts launched on the first-ever crewed moon mission on December 21, 1968.

    Lovell and his crewmates Frank Borman and Bill Anders became the first humans to orbit the moon on December 24, 1968. Their mission was to study the moon and photograph its surface for possible landing sites.

    Apollo 8 is famous for the "Earthrise" photo that showed how small the planet looks in the void of space. Lovell previously told Business Insider that this view made him think, "you go to heaven when you're born."

    Apollo 11 put people on the lunar surface for the first time on July 20, 1969.

    It was "a giant leap for mankind," Neil Armstrong famously said. Buzz Aldrin followed him onto the moon while their crew mate Michael Collins remained in orbit.

    The astronauts returned home with a cache of rocks, dust, and stunning photos. After they landed, NASA put the three men in quarantine for 21 days to make sure they had not brought any lunar contagions back to Earth.

    Venera 7 became the first robot to land on another planet (Venus) on December 15, 1970.

    The Soviet spacecraft was designed to land on Venus, but its parachute ripped during the descent and Venera 7 slammed into the surface. However, the plucky robot still managed to send back data on the planet's temperature, atmospheric pressure, and wind speed before its signal stopped.

    See the rest of the story at Business Insider

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    bii top 5 startups to watch in digital health

    The healthcare industry is facing disruption due to accelerating technological innovation and growing demand for improved delivery of healthcare and lower costs. Tech startups are leading the way by seizing opportunities in the areas of the industry that are most vulnerable to disruption, including genomics, pharmaceuticals, administration, clinical operations, and insurance.

    Venture funds and businesses are taking notice of these startups' potential. In the US, digital health funding reached $1.6 billion in Q1 2018, according to Rock Health — the largest first quarter on record, surpassing the $1.4 billion in venture funding seen in Q1 2016. These high-potential startups provide a glimpse into the future of the healthcare space and demonstrate how we’ll get there.

    In this report, a compilation of various notes, Business Insider Intelligence will look at the top startups disrupting US healthcare in four key areas: artificial intelligence (AI), digital therapeutics, health insurance, and genomics. Startups in this report were selected based on the funding they've received over the past year, notable investors, the products they offer, and leadership in their functional area.

    Here are some of the key takeaways from the report:

    • Tech startups are entering the market by applying the “Silicon Valley” approach. They're targeting shortcomings and legacy systems that are no longer efficient.
    • AI is being applied across five areas of healthcare to improve clinical operation workflows, cut costs, and foster preventative medicine. These areas include administration, big data analysis, clinical decision support, remote patient monitoring, and care provision.
    • Health tech startups, insurers, and drug makers are rapidly exploring new ways to apply digital therapeutics to the broader healthcare market that replace or complement the existing treatment of a disease.
    • Health insurance startups are taking advantage of the consumerization of healthcare to threaten the status quo of legacy players. 
    • Genomics is becoming an increasingly common tool within the healthcare system as health organizations better understand how to extract the value from patients’ genetic data. 

     In full, the report:

    • Details the areas of the US health industry that show the greatest potential for disruption.
    • Forecasts the industry adoption of bleeding edge technology and how it will transform how healthcare organizations operate.
    • Unveils the top five startups in AI, digital therapeutics, health insurance, and genomics, and how they're positioned to solve big issues that key players in healthcare face. 
    • Explores what's next for the leading startups, providing a glimpse into the future of the healthcare space and demonstrating how we’ll get there.

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
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    A General Dynamics Land Systems Griffin II prototype vehicle. GD was selected to produce similar, medium-weight, large-caliber prototype vehicles for the U.S. Army’s Mobile Protected Firepower program.

    • The US Army has selected two defense firms to build light tank prototypes for the service's Mobile Protected Firepower program.
    • General Dynamics Land Systems Inc. and BAE Systems will each produce 12 prototypes for delivery to the Army, which plans to begin testing them in spring 2020.
    • The service expects to field around 500 lightweight tanks — armored vehicles armed with a cannon able to clear hardened defenses for light infantry forced-entry operations, in 2025.

    The US Army just moved one step closer to a new light tank intended to boost the firepower of airborne and other light infantry units.

    The Army is currently looking for a new tracked armored vehicle able to protect and support infantrymen as they "destroy the enemy in some of the worst places in the world,"Brig. Gen. Ross Coffman, the director of the Army's Next Generation Combat Vehicle Cross Functional Team, said Wednesday.

    "This capability is much needed in our infantry forces," he told reporters at a media roundtable.

    The infantry has artillery, but "there’s no precision munition to remove bunkers from the battlefield, to shoot into buildings in dense urban terrain," Coffman explained. That is where Mobile Protected Firepower comes into play.

    Two companies, BAE Systems and General Dynamics, have been awarded Section 804 Middle Tier Acquisition Rapid Prototyping contracts for this development project, the Army revealed Wednesday afternoon. Each contract is worth $376 million, and each company will provide a total of 12 prototypes.

    The purpose of Mobile Protected Firepower is to "disrupt, breach, and break through" fortified defenses

    BAE Systems Mobile Protected Firepower

    The MPF, a 30-ton light tank expected to fill a critical capability gap, is one of five next-generation combat vehicles being developed by Army Futures Command, a new four-star command focused on preparing the force for high-end warfighting against near-peer threats in an age of renewed great power competition.

    The Army, shifting its focus from counterinsurgency to high-intensity multi-domain operations with an eye on rivals China and Russia, wants contractors to deliver a vehicle that offers mobility, lethality, and survivability.

    The MPF light tanks would provide the firepower to breach heavily-fortified defensive positions, potentially in an area, such as Russian and Chinese anti-access zones, where the US might not be able to achieve absolute air superiority.

    The MPF vehicles will help Infantry Combat Brigade Teams (ICBTs) "disrupt, breach, and break through" secure defensive zones, Coffman explained.

    The final Mobile Protected Firepower light tank, which will be delivered to troops in 2025, will be a tracked vehicle with either a 105 mm or 120 mm cannon that can withstand an unspecified level of fire. The Army also wants to be able to carry at least two light tanks aboard a C-17 Globemaster III for easy transport.

    BAE Systems' MPF solution

    BAE Systems displayed its Mobile Protected Firepower prototype at the Association of the United States Army (AUSA) Annual Meeting & Exposition in October 2016 in Washington

    BAE Systems presented a Mobile Protected Firepower prototype at the Association of the United States Army Annual Meeting & Exposition in 2016. BAE Systems' latest proposal is a variant of the original design.

    BAE Systems Mobile Protected Firepower

    "Our offering integrates innovative technology that reduces the burden on the crew into a compact design deployable in areas that are hard to reach," Deepak Bazaz, director of combat vehicles programs at BAE Systems, said in a statement.

    General Dynamics' MPF

    General Dynamics MPF

    General Dynamics Land Systems displayed a technology demonstrator at AUSA 2016 as a starting point for discussions with the Army about its expectations for the MPF platform.

    The company is currently playing its cards close to the vest with its latest proposal, offering only the following picture while clarifying that the vehicle pictured is not the company's exact offering.

    A General Dynamics Land Systems Griffin II prototype vehicle. GD was selected to produce similar, medium-weight, large-caliber prototype vehicles for the U.S. Army’s Mobile Protected Firepower program.

    "We are excited about this opportunity to provide the US Army a large-caliber, highly mobile combat vehicle to support the infantry brigade combat teams," Don Kotchman, the vice president and general manager of General Dynamics Land Systems US Market, said in a statement.

    SEE ALSO: The US Army is searching for a new combat vehicle to defeat the toughest adversaries — here are 3 leading possibilities

    Join the conversation about this story »

    NOW WATCH: A Harvard psychologist reveals the secret to curbing your appetite

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    Michael Flynn talks with Michael Cohen

    • The White House on Tuesday seemed to imply President Donald Trump does not care if people closely associated with him break the law by lying to the FBI, as long as the president is not implicated in any crimes in the process.
    • Former national security adviser Michael Flynn last December pleaded guilty to lying to the FBI.
    • Trump's former lawyer Michael Cohen in late November pleaded guilty to lying to Congress.
    • The president's disposition toward Flynn and Cohen could not be more stark, and it seems to be motivated by the fact Cohen implicated Trump in crimes and Flynn did not. 

    The White House on Tuesday seemed to imply President Donald Trump does not care if people closely associated with him break the law by lying to the FBI, as long as the president is not implicated in any crimes in the process. 

    Former national security adviser Michael Flynn last December pleaded guilty to lying to the FBI about contacts he had during the presidential transition period with Sergey Kislyak, who was Russia's ambassador to the US at the time. Additionally, Flynn admitted to lying about lobbying work he did on behalf of the Turkish government.  

    Flynn also lied to Vice President Mike Pence and other administration officials about the nature of his communication with the Russian diplomat, which is why he was ultimately fired

    Addressing the matter at a press briefing on Tuesday, White House press secretary Sarah Huckabee Sanders said, "Maybe [Flynn] did do those things but that doesn't have anything to do with the president directly." 

    Trump had wished Flynn well in a tweet on Tuesday morning as his former national security adviser headed to court for a sentencing hearing.

    Sanders told reporters at the briefing it's "perfectly acceptable" for Trump to make positive comments about Flynn despite the fact he's admitted to lying to the FBI. 

    "It's perfectly acceptable for the president to say positive things about someone while we wait for the court's determination," Sanders said. 

    Sanders said there were "certainly concern" about Flynn's activities, but maintained the president was not linked to them.  

    Read more: 'You sold your country out': Judge tears into Michael Flynn but agrees to delay sentencing after lawyers hint at more cooperation

    This came not long after US District Judge Emmet Sullivan ultimately agreed to delay Flynn's sentencing.

    Meanwhile, the White House press secretary defended the president for referring to Michael Cohen, his former personal attorney, as a "rat."

    Cohen is a "known liar," Sanders said. 

    Cohen in August pleaded guilty to eight federal crimes in the Southern District of New York, including campaign finance violations linked to payments he made to two women who said they had affairs with Trump.

    In open court, Cohen said Trump directed him to make the payments and that he did so in order to influence the 2016 presidential election. In short, Trump was implicated in campaign finance violations by Cohen. 

    Read more: The Michael Cohen controversy reached a climax as he was sentenced to 3 years in prison after pleading guilty and implicating Trump — here's a full timeline of events

    Federal prosecutors in a recent court filing endorsed Cohen's implication, stating he'd made the illegal payments "in coordination with and at the direction" of Trump.

    In late November, Cohen also pleaded guilty to lying to Congress about his involvement in a plan to build Trump Tower in Moscow, stating he'd misled lawmakers about the duration of discussions on the ultimately failed real estate deal. This came as part of a new plea deal with special counsel Robert Mueller, who's leading the investigation into Russian election interference. 

    Cohen said the discussions on the plan lasted until June 2016, after Trump became the presumptive Republican nominee for president, and that he briefed Trump and his family members on the deal multiple times.

    Michael Cohen guilty plea

    Cohen's lawyers in a sentencing memorandum submitted in late November said he was "in close and regular contact" with Trump's lawyers and White House staff leading up to his false congressional testimony last year.

    Read more: Michael Cohen's lawyers dropped a slew of intriguing bombshells about Trump in a new court filing

    The lawyers said Cohen's false testimony was catalyzed by him being "a loyal ally and then-champion of Client-1, to support and advance Client-1's political messaging." Client-1 is believed to be Trump. 

    Similarly, Mueller in a sentencing memo filed earlier this month said Cohen "admitted he told these lies — which he made publicly and in submissions to Congress — in order to minimize links between the Moscow Project" and Trump. 

    Mueller's memo said that in the process of cooperating Cohen "described the circumstances of preparing and circulating his response to the congressional inquiries, while continuing to accept responsibility for the false statements contained within it." Additionally, the memo said Cohen offered "relevant and useful information concerning his contacts with persons connected to the White House during the 2017-2018 time period."

    Read more: Everything Michael Cohen told Mueller about the Trump campaign's contacts with Russia, according to the memo that could land Cohen a 'substantial' prison sentence

    In short, Cohen's lawyers claimed he was in touch with the White House about his plans to lie to Congress, and prosecutors appear to have corroborated that claim.

    Cohen last week was sentenced to three years in prison over the nine crimes he's pleaded guilty to, including those in which he's implicated Trump.

    Trump vehemently denies any involvement in illegal activity and has called his former personal lawyer a "liar" and a "weak person."

    Flynn and Cohen both told lies that landed them in serious legal trouble.

    The primary difference is that Cohen's crimes and related lies implicate Trump, which seemingly explains the stark contrast in the president's disposition toward his two former employees.

    SEE ALSO: How Michael Cohen went from saying he would 'take a bullet' for Trump to implicating him in federal crimes

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'

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    Russia hacker

    • Russia influence on the 2016 presidential election spanned beyond Facebook and Twitter, according to new reports provided to the Senate intelligence committee.
    • The research concluded that the disinformation campaign reached several social media platforms previously unnamed, including Instagram, Vine, and Pinterest.
    • Business Insider has compiled all the social media platforms named in the reports, and the roles that each platform played in the Russian-linked influence operation.

    The use of social media to spread political disinformation has been widely acknowledged, but two new reports show that the Russian-linked influence campaign spread way beyond Facebook and Twitter.

    The twonew reports, conducted for the Senate's intelligence committee, detailed the widespread impact of online propaganda leading up to the 2016 presidential election. Researchers found that the Internet Research Agency, the Russian troll farm behind the disinformation campaign, left few social media platforms untouched.

    IRA-linked content was found heavily on popular platforms Instagram and YouTube, and also on smaller platforms like Pinterest, SoundCloud, Vine, and even Pokémon Go.

    "The breadth of the attack included games, browser extensions, and music apps created by the IRA and pushed to targeted groups," New Knowledge researchers wrote in their report. "It was designed to exploit societal fractures, blur the lines between reality and fiction, erode our trust in media entities and the information environment, in government, in each other, and in democracy itself."

    Here are all the social media platforms identified in the most recent reports on the Russia-linked disinformation campaign:

    SEE ALSO: New reports show Russia's political influence campaign on social media targeted black voters — and the NAACP is now calling for a boycott of Facebook and Instagram


    The breadth of Instagram's role in Russian propaganda was relatively unknown until now. Monday's reports showed just how central Instagram, a Facebook-owned photo-sharing platform, was to the operation: an estimated 116,000 posts from 133 accounts, 20 milion users reached, and 187 million engagements.

    "Instagram was a significant front in the IRA’s influence operation, something that Facebook executives appear to have avoided mentioning in Congressional testimony," New Knowledge said in its report.

    Researchers found that Instagram engagement actually outperformed Facebook, which it attributed to the photo-sharing service "being more ideal for memetic warfare."

    Memes were used often by the accounts, and were recycled and repurposed often. They were used to post conspiracy theories, voter fraud allegations, recruit human assets, and organized public events.

    The reports saw an uptick in Instagram activity from the IRA after the 2016 presidential election, which researchers credit as a response to "increased scrutiny" put on Facebook and Twitter.

    The New Knowledge report concluded that Instagram would be "a key battleground" platform for propaganda and political influence in the future. 

    A Facebook spokesperson issued the following statement to Business Insider:

    “As we've said all along, Congress and the intelligence community are best placed to use the information we and others provide to determine the political motivations of actors like the Internet Research Agency. We continue to fully cooperate with officials investigating the IRA's activity on Facebook and Instagram around the 2016 election. We've provided thousands of ads and pieces of content to the Senate Select Committee on Intelligence for review and shared information with the public about what we found. Since then, we've made progress in helping prevent interference on our platforms during elections, strengthened our policies against voter suppression ahead of the 2018 midterms, and funded independent research on the impact of social media on democracy.”


    The two reports analyzed more than 1,100 YouTube videos, across almost 20 channels, connected to the disinformation campaign. YouTube was one of the platforms that researchers looked into the most and found to be among the most impactful — along with Instagram, Facebook, and Twitter.

    The report from Oxford and Graphika found that YouTube videos "were predominantly used to target African Americans." New Knowledge identified 59% of the channels and 96% of the content on YouTube from the IRA was "related to Black Lives Matter & police brutality." 

    The New Knowledge report also criticized Google for its comments in 2017 that "these ​channels’ ​videos ​were ​not ​targeted ​to ​the ​U.S. ​or ​to ​any ​particular ​sector ​of ​the ​U.S. population." Researchers say that with the findings, the statement "appears disingenuous now."

    Google declined to comment to Business Insider.


    From the New Knowledge report: "Tumblr was used to disseminate memes and reblog existing content – particularly those found on Instagram ... There were extensive efforts to target Black communities on Tumblr, particularly youth and urban communities."

    Operations that took place on Tumblr were referenced in proceedings during the federal investigation — and indictment — into Russians associated with the disinformation campaign, the report notes.

    Tumblr has confirmed its platform was used for "state-sponsored disinformation campaigns," and that Tumblr accounts were used for "cross-pollination" with related Facebook pages and Twitter users. In March 2018, Tumblr started in to post usernames it determined were engaging in propaganda activities. With the latest additions in November, the list is up to 197 names.

    Tumblr did not provide additional comment to Business Insider, but did point to a post written in March detailing steps the platform had taken.

    See the rest of the story at Business Insider

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    IBM Cyberattacks12.6.18

    By Andrea Sayles, General Manager of IBM Business Resiliency Services

    How confident are you that your business will continue to operate in the event of a cyberattack? How would you recover from a cyberattack? Do you have a cyber incident recovery plan that makes every second count?

    Information security and business continuity leaders often face these questions from their chief executive or their board. In all likelihood, they often ask themselves these same questions.

    Today’s malware can affect systems and networks, even if they are seemingly fully patched, leading to loss or theft of millions of records, high financial costs, regulatory penalties, damage to brand and reputation, not to mention loss of customer trust.

    According to the Ponemon Institute’s 2018 Cost of Data Breach Study: Impact of Business Continuity Management,  the cost of mega data breaches involving 1 million to 50 million records ranges from $29 million to over $400 million. This doesn’t include the cost of recovery or rebuilding the damaged infrastructure and reputation.

    Managing risks and challenges galore.

    Most cybersecurity programs continue to be hamstrung by the organization’s traditional perspective of investing in prevention technologies. This is largely due to their inability to fully evaluate the complex landscape of risks and threats — often manifested in deployment of multiple point solutions that generally have a shorter shelf life. This challenge can be aggravated by unintended vulnerabilities that digital transformation, IoT adoption, and hyper-convergence create.

    A large number of organizations still have aging infrastructures and processes. It is challenging to segment critical workloads from other workloads using legacy network infrastructure. While many organizations have business continuity and disaster recovery plans, they were not designed to be resilient against destructive cyberattacks or evolving threats.

    Let us look at some of the other risks and challenges.

    • Cloud migration: The trend of workload migration to cloud is rapid and pervasive. But most organizations face challenges understanding dependencies and prioritizing the data and workloads to protect.
    • Shadow IT: The pressure for innovation and faster time to market, BYOD, and simplicity and agility of public cloud experience, coupled with legacy central IT procurement processes, fuel increased use of shadow IT.
    • Shortage of skills: Many recent studies point to worsening cybersecurity skills shortage that may impact business and government organizations globally.
    • Organizational silos: Cybersecurity, business continuity and the teams that own systems and applications are highly siloed and have difficulty collaborating to solve critical problems.
    • Boardroom sponsorship: While the board needs access to cyber expertise for budget allocation and risk oversight and governance, security, risk and business continuity leaders often struggle to translate IT risks into a business language the board understands.

    Why is it important to build resilience?

    Over the past few years, cybersecurity technologies have evolved by leaps and bounds. We are getting better at securing our network perimeters, and threat intelligence today is powered by artificial intelligence. But adversaries are now as equipped and resourceful as legitimate business organizations — and they only need to get it right once, while we need to be right all the time. The Ponemon report also indicates that business organizations face more than a 32% likelihood of a material data breach by 2020.

    With attacks becoming more malicious and techniques more advanced, the strategies and plans to mitigate the impacts of such attacks must also change. Businesses need new technologies and practices to survive and adapt to today’s cyber outage scenarios. Cyber resilience is a unified approach combining cybersecurity with data protection and disaster recovery methods, designed to protect against and rapidly recover from disruptive cyber incidents.

    Innovation to help businesses build cyber resilience.

    With a comprehensive portfolio ranging from advisory services to data protection, resiliency orchestration and disaster recovery solutions, IBM has been working closely with our clients to help them become truly cyber-resilient. While our cyber resilience capabilities can ensure faster response, disaster recovery and business resumption after a cyber event, our continued investment in technology innovation is aimed to advance these capabilities even further to help our clients stay ahead of risks.

    The core technology and process building blocks that we provide to help our clients become cyber-resilient include:

    • Immutable storage: Unalterable or write-once-read-many (WORM) storage technologies for application data and platform configurations to prevent corruption.
    • Air-gapped protection: Network isolation to separate production environments from the storage that contains the protected, backed-up data.
    • Configuration data verification: Automated testing and validation to help detect unauthorized changes and ensure the data being protected is clean and recoverable.
    • Automation and orchestration: Automation of the end-to-end recovery process based on pre-defined and tested workflows to enable quick restoration
    • Monitoring and reporting: Automated dashboard to monitor data changes, RPO/RTO deviations and snapshot validation status in real-time, and built-in modules to generate reports for audit and compliance.

    While IT and information security leaders are struggling to determine the appropriate technology areas to spend their limited budget on, it is imperative that they take a holistic view of IT risks and build a robust cyber resilience program to keep their business operations functional during and after a cyberattack. With a cyber-resilient environment, IT can be at the forefront of fostering relationships with business leaders and partnering with them to confidently drive their digital transformation journey forward.

    To learn more about the areas where perception gaps may be creating a false sense of security, join us at Think 2019 on February 12-15 in San Francisco, California.

    Visit the conference website to register and learn more about the sessions on cyber resilience.

    This post is sponsor content from IBM and was created by IBM and Insider Studios.

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    The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

    NEOGEN Bio-Peel Gauze Peeling

    If you know where to find it — hidden above, below, and behind other things you don't care about — there are plenty of cult-favorite and award-winning luxury skincare products on Amazon. You can often get them for a few bucks cheaper, and you can take advantage of fast and sometimes free shipping — things that make holiday gifting that much easier on you without lowering any standards. 

    For a gift that's sure to please mom, dad, your sister, your brother, and anyone else on your list, check out 27 great trusted skin care products you can gift from Amazon below. To go the extra step, pick up a card, some wine, and deliver the makings of an ideal treat-yourself night. 

    Most of these items are available with two-day shipping if you have Amazon Prime, so don't stress too hard about your last-minute shopping — just remember that the sooner you order, the better your chances of a timely arrival.

    Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

    You can also find the 50 of the best skincare gifts from Sephora here.

    Herbivore Botanicals Blue Tansy Resurfacing Clarity Mask

    Herbivore Botanicals Blue Tansy Resurfacing Clarity Mask, $48

    This bright blue blend of BHA, AHAs, aloe, and powerful anti-inflammatory blue tansy oil exfoliates and smooths to leave skin softer and clearer.

    Mario Badescu Drying Lotion

    Mario Badescu Drying Lotion, $17

    Mario Badescu drying lotion is the original, award-winning solution that helps diminish pimples while you sleep. It’s one of the acne solutions we personally swear by.

    Bioderma Sensibio H2O Micellar Water

    Bioderma Sensibio H2O Micellar Water, $11.67

    This standard-bearing micellar water is often the number one recommendation for what to pick up from French pharmacies. It’s gentle, silky, and effective at drawing impurities out of the skin without harsh chemicals or rubbing, and for leaving skin feeling hydrated and smooth. It’s one of my own must-haves.

    See the rest of the story at Business Insider

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    nike flagship 1113

    • Nike is winning the race to create the store of the future by incorporating killer new features into its app.
    • Instant Purchase is the most interesting of the bunch, and was the coolest retail tech we used this year.

    Technology is invading the in-store experience.

    It's not just about hyper-futuristic stores with sensors like Amazon Go, either. Nike is winning the race to create the store of the future by debuting many new features into the Nike app instead of stacking the physical space with expensive technology.

    The Nike app can now let you unlock free stuff in stores, help you try on shoes without having to talk to anybody, and even allow you to instantly purchase something in-store and walk right out with it.

    We trialed the scan-to-try feature just after it was released in a Nike store in Los Angeles, and we found it was easy and quick to use. It worked exactly as advertised. 

    Read more: Nike has unveiled a new way to try on sneakers at its stores without talking to anyone. Here's how it works.

    What is most exciting for the future of retail, however, is the scan-to-buy feature, which lets you use your phone's camera to scan a barcode and instantly purchase an item. It uses the credit card on file, just like if you were shopping online, but now you can just walk right out of the store.

    Nike's newest stores are being designed with the feature in mind, too. Instead of a huge bank of cash registers in Nike's new flagship store in New York City, there are little kiosks with a bin for hangers and a bag to stuff your purchase in and take it home.

    The technology will eventually roll out to all of Nike's nearly 400 stores in the US.

    Scan-to-buy is not new. Apple stores have had it for years. But the proliferation, as well as the holistic ecosystem, make the service feel like magic.

    Imagine waking up and wanting to buy new Nike sneakers. With the Nike app, all you have to do is find the one you want, scan to try, then scan to buy. No waiting to find a store associate, and definitely no waiting in line for a cashier.

    It's sneaker buying in the future.

    Join the conversation about this story »

    NOW WATCH: 7 things you shouldn't buy on Black Friday

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