Scan Monthly No. 007September 2003 |
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Consumer-Driven Health Care | View summary |
D03-2442 | Download this Insight |
Rising health-care costs and the inability of current health-insurance models to continue to bear the brunt of these increases are giving rise to many proposals for reform. The looming prospect of aging Boomers' increased health needs and the growing prevalence of chronic diseases in all age groups are adding to the clamor for change. Among the proposals attracting reformers' attention are consumer-driven models of health care that give consumers more choice in return for assigning them more responsibility for cost containment through their purchasing decisions. These models vary widely, from plans that give employees a fixed or capped employer contribution to pay for health-insurance premiums to plans that combine a personal spending account with a high-deductible health plan. Currently, economic and public-policy developments favor continued market adoption of consumer-driven health plans. Proponents of the plans believe that they will produce better-informed consumers, who will in turn drive changes in providers' offerings and present a business opportunity in the marketplace. Though consumer-driven health plans will never completely replace current insurance models or be ideal for everyone, they are likely to usher in a new era of health-care consumerism. Author: Andrew Broderick. 8 pages. Index Keywords: Consumer Expenditure; Health Care; Insurance Industry; Labor Force. |
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Business Implications of New Directions in Speech Technology | View summary |
D03-2443 | Download this Insight |
After years of falling short of expectations, speech technology has come of age and is now a viable user interface for a wide variety of products and services. The technology is currently most entrenched in call centers and within cell phones, but many more applications are emerging, cutting a swath across industries. Many of the new products and services are at an experimental stage, probing the market's response, but together they mark a significant industry shift that will usher in a second wave of market penetration for speech technology. A look at emerging consumer, government, enterprise, third-party, and marketing applications reveals five new directions in speech technology: The technology is moving from interactive to proactive applications, from enterprise to small-office/home-office applications, from "hard" speech recognition to "soft" speech recognition, and from well-defined markets to widespread penetration. These new directions have important business implications and will give rise to new application areas and new business models. In turn, users will benefit from more efficient transactions and improved customer service. Author: Martin Schwirn. 14 pages. Index Keywords: Computer Software; Information Technology; Marketing; Mobile Communications; Technology Trends. |
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New Tools and Challenges in the War against Spam | View summary |
D03-2444 | Download this Insight |
E-mail plays a key role in facilitating e-commerce and business communications, so the current epidemic of spam in people's e-mail in-boxes is a growing concern for consumers and retailers alike. A single spammer can send tens of thousands of e-mail messages per hour at very little cost. For this reason, spam fighters have focused heavily on technological solutions for finding and eliminating junk e-mail, the most common being filters that scan for signs of unsolicited bulk e-mail and delete or reroute messages that fit their spam profile. A number of social solutions are in the works as well: White lists of reputable e-mail marketers, blacklists of spammers, and challenge-response schemes that require e-mail senders to verify their identities help prevent junk e-mail from reaching networks in the first place. More problematic are legal solutions, which are difficult to enforce given the boundaryless nature of spam. Pay-per-message proposals have some promising elements but must overcome many practical hurdles before they can work. Most likely, a combination of solutions will emerge as people look for the right balance between control and flexibility. Author: Thomas M. McKenna. 7 pages. Index Keywords: Advertising; Business Ethics; Computer Security; Computer Software; Electronic Commerce; Information Technology; Internet Technologies; Marketing; Technology Trends. |
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Open Source eLearning: Opportunities and Threats | View summary |
D03-2445 | Download this Insight |
Open Source eLearning (OSeL) leverages many of the techniques and practices of the Open Source software development community in both the writing of software and the development of content for eLearning applications. Community authorship, open and aggressive peer review, and innovative licensing and copyright arrangements for software code and content are all concepts that hold the potential to benefit various educational communities, from kindergarten to corporate executive seminars, greatly. This study examines efforts to date to leverage Open Source techniques in the eLearning area and speculates about how important OSeL will be for eLearning software and service users and providers in both private and public sectors. The study also looks at which regions of the world will likely be hot spots for the rapid development of OSeL-based solutions. Author: Eilif Trondsen. 23 pages. Index Keywords: Education; Human Resources; Information Technology; Knowledge Management; Training. |