Anyone who has a smartphone bursting with downloaded apps is a rare breed – and getting rarer. Apps are on the wane. According to analysts at Comscore, most people (65%) aren't downloading apps at all, and get by with whatever comes pre-installed on phones.

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Not that apps aren't being used. They are, but we're now in a one-app world; 42% of people spend most of their time on a single app.

We'll soon see a paradigm shift in terms of where people get their information from. By 2020, smart agents and virtual personal assistants (VPAs) will handle 40% of mobile interactions, and the post-app era will be in full swing.

"We are witnessing a shift from apps to new advanced forms of using artificial intelligence to create smart agents," says Mark Armstrong, European MD of global app development platform Progress. "They can positively and autonomously generate the next decision or suggestion."

He adds: "Autonomous decision-making will be taking place on a grander scale, and involves an ecosystem of complex data sets acted on dynamically, and based on user-preferences." With that kind of tech on the horizon, apps are beginning to look archaic.

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Would the Apple Watch include apps if Siri was actually any good?

What and when is the post-app era?

It depends who you ask. "This is not really about replacing apps," says Nils Lenke, Director of Research, Nuance Communications. "What you will see is new Internet of Things (IoT) software platforms appearing in addition to apps, and you will also see cloud-based systems … as long as there are smartphones and tablets, there will be apps." For Lenke, post-app is about pairing-up devices, but for many companies, the mobile web is already replacing apps.

"Mobile marketers face a constant dilemma whether to create an app or a website," says James Rosewell, founder and CEO of 51Degrees, a device detection company. Why create bespoke, native apps for myriad platforms and devices when a single-codebase website will do?

"Mobile websites can offer the same functionality as apps for a fraction of the cost, are easier to maintain, and can be more profitable," says Rosewell, adding that it's easy to deliver a personalised experience for every visitor by detecting the device accessing the website. "It's the obvious choice." However, there are other reasons why apps are losing their shine.

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Nick Braund, Head of Technology and Innovation at PHA Media

Sneaker tracking and app crawling

Another cause of the demise of apps is Google's recent use of 'sneaker' tracking, which allows its algorithms to find and index data stored within apps. "This effectively streams content direct from an app without the user having to download the app itself," says Nick Braund, Head of Technology and Innovation at PHA Media. "App developers will need to continue to evolve, as Google is doing, in order to stave off this attack and entice similar download levels that we have seen to date – approximately 185 billion in the past year," says Braund.

This is a big shift for app developers. "Making apps searchable is now a do or die tactic," says Pete Trainor, Director of Human Centred Design at Nexus Design. "If they can't be crawled, they won't be found."

Next gen virtual assistants will never say I found this on the web
Next-gen virtual assistants will never say 'I found this on the web' (Image: Nuance)
What are smart agents and virtual personal assistants?

Think a supercharged Siri for whom saying 'Here's what I found on the web' would be tantamount to self-deletion. While using Siri ties you to a device and its manufacturer, in the post-app Internet of Things era there will be many specialised assistants available. Nuance is now providing toolkits and cloud-based platforms that help developers create their own assistants using Nuance's automatic speech recognition, text-to-speech, and soon, natural language comprehension tech.

"General-purpose assistants like Siri promise to solve many different problems for you, and while the list of supported domains keeps growing, the user's challenge is that when making a query, they are uncertain whether they can expect Siri to be helpful and add real value, or whether the query will just end in a web search," says Lenke.

In the future, assistants won't be focused on just one device, their abilities and limitations will be clearer, and they will reside in different places – some on the cloud, some embedded, some hybrid.

"Smart agents differ from things like Siri in that product and service companies will ultimately be behind them, with tailored customer services," says Matt Mould, Technology Enablement Lead, Slalom Consulting. "One of the new battlegrounds will be which complete smart agent service do I use and subscribe to?"

The Right Advice To Make Auto Insurance Easy

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If anything in your work situation changes it might benefit you to call your Insurance Agency and see if there are any discounts for driving less miles or even if you start working from home. Less miles should translate into less premium.
car insurance
Having multiple drivers on one insurance policy is a good way to save money, but having multiple drivers of one car is an even better way. Instead of opting for multiple automobiles, have your family make do with one car. Over the life of your policy, you can save hundreds of dollars by driving the same vehicle.

Some auto insurance companies have streamlined claims service for glass replacement. If you're shopping for new coverage, don't overlook this benefit. Some of the carriers may forgive your deductible for glass damages, just ask. This way you don't have any out of pocket expenses. Also the service that the glass replacement companies offer may have them come to your home or workplace to replace the broken windshield or side window.
Take a driving course. Defensive driving, safe driver, and superior driving courses all show your insurance company that you are both a cautious and safe driver. Bring your certificate in to your insurance agent, and let them make a record of it. Many companies reward safe drivers with lowered premiums.

Mistakes do happen! Check your driving record with the Department of Motor Vehicles - before you get an auto insurance quote! Make sure your driving record is accurate! You do not want to pay a premium higher than you have to - based on someone else who got into trouble with a license number similar to your own! Take the time to make sure it is all correct!

Having a alarm, car tracker or other theft deterrent installed on your car can save you money on your insurance. The possibility of your car getting stolen is part of the calculations that go into your insurance quote. Having a theft deterrent system means that your car is less likely to get stolen and your quote will reflect that.

It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened.

The cost of auto insurance for any specific car, will vary from company to company. One of the reasons for this is because each company determines premiums based in part, on their past experiences with that specific car.Different underwriter may handle claims for certain car types in a different manner. It definitely serves you to shop around and find the best fit for your car type. Contact us @ http://car-insurancesa.com/

In conclusion, you cannot get enough data about auto insurance. Hopefully, you were able to clearly absorb all the tips and tricks provided. With the details provided in this article, you should be able not to only make wise choices on your own, but also be able to provide others with beneficial information.