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2017 and expects 20 billion connected devices by 2020. Anyone can go onto the dark web and start using available malware code, not to mention the readily available services such as hacking, malware- and ransomware-as-a-service, which can all be hired for next to nothing. It’s very easy these days for someone with little knowledge to launch a sophisticated attack, and there’s clear financial incentive – in the last three years, business email compromise alone made $5. 3 billion." – Christian Vezina, CISO at VASCO Data Security IoT devices will become more common: "There will be growth in small business cross-channel marketing: " Very few small businesses today do any sort of cross-channel strategic advertising. Many owners even have separate vendors for Facebook, Google, web content, web maintenance, etc. Large brands do this rather well, and I believe ... we will see small businesses utilizing integrated strategies – and these small businesses will outperform their competitors." – Bil Gaines, digital marketing director of Custom Creatives Financial The economy is doing well, but tariffs create uncertainty: “The economy is in very good shape right now. It appears that we can absorb two or three more quarter-point interest rate hikes before year-end without any great material negative effect. However, the uncertainty around tariffs and the impending trade war could change that outlook." – James Cassel, co-founder and chairman of Cassel Salpeter investment banking firm The deficit must be addressed: "At present, nobody is talking about the deficit. With the recent tax cut increasing the deficit substantially, the increased borrowing needed to fund the deficit will ultimately become a problem. To reduce the deficit going forward, either taxes will have to increase, or alternatively, expenses will have to be reduced." – James Cassel Banking models will begin a radical shift: "Millennials want to bank wherever they want and whenever they want, which does not align with the traditional banking model. It’s predicted that digital banking will grow to more than 2 billion users by 2020. As a result of this shift, the traditional brick-and-mortar banking solution will be replaced with a technology first-mindset. In essence, your wallet will be growth in small business cross-channel marketing: " Very few small businesses today do any sort of cross-channel strategic advertising. Many owners even have separate vendors for Facebook, Google, web content, web maintenance, etc. Large brands do this rather well, and I believe ... we will see the end of the experimental phase and the sharing economy will disrupt more industries. Already, retail (Amazon), automotive (Uber and Zipcar), and the server market (Google, Amazon) have been disrupted – and better serve their customers. " – Vernon Tirey, co-founder and CEO of LeaseQ Mobile banking means more mobile cyberattacks: "All are experiencing a big increase in attacks on their mobile banking and transactions. Expect that to continue. Approximately 80 percent of financial institutions’ customers are doing online banking, 50 percent are on mobile and that's growing. More customers equals more opportunity for attacks." – John Gunn, CMO of OneSpan Artificial intelligence and machine learning Machine learning and Blockchain will grow more prominent: "Two of the major things on businesses' radars. Here are 19 key ideas, trends, and predictions to keep in mind to make the most of the second half of 2018, for both your business and your customers. Technology and cybersecurity A shift in IT spending: "A significant number of enterprises will begin to invest in a dedicated security operations center as part of the shift away from prevention towards detection and response … Hybrid security offerings combining on-premise and SaaS/Cloud solutions will become more competitive: "For paid social ads in Facebook, the 2018 landscape will continue to get far more competitive. Facebook advertising is still in its 'Golden Age,' but the company is growing the number of advertisers it has with SMBs and CPM and CPC costs will rise for all Facebook advertisers." – Toby Danylchuk, co-founder of 39 Celsius Web Marketing There will be growth in small business cross-channel marketing: " Very few small businesses today do any sort of cross-channel strategic advertising. Many owners even have separate vendors for Facebook, Google, web content, web maintenance, etc. Large brands do this rather well, and I believe ... we will see small businesses will outperform their competitors." – Bil Gaines, digital marketing director of Custom Creatives Financial The economy is doing well, but tariffs create uncertainty: “The economy is in very good shape right now. It appears that we can absorb two or three more quarter-point interest rate hikes before year-end without any great material negative effect. However, the uncertainty around tariffs and the impending trade war could change that outlook." – James Cassel, co-founder and chairman of Cassel Salpeter investment banking firm The deficit must be addressed: "At present, nobody is talking about the deficit. With the recent





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