Sunday Morning Reading

The art of dancing on the line that separates and defines humanity

It was a good week for reading good writing. It’s a better week for sharing what popped up. A variety of topics, spanning art and the making and selling of it, technology — which these days is more about the selling than the tech — the humanity, or lack thereof, behind it all, and…well to continue a list would sell it all short. Here’s hoping you enjoy the links shared in today’s Sunday Morning Reading as much as I enjoy sharing them. Yia Mas! 

An overhead, first-person perspective shows a person lying on their back on a teal couch, holding open a large book to read. The person's head is closest to the foreground, with long, blonde-streaked hair spilling downward. They are wearing a deep maroon, long-sleeved sweater and light grey sweatpants. Image from Matias north v8DSLoY80Xk unsplash.

Om Malik wrote one of the best things I’ve read in quite some time. We Are Living In Pinocchio’s World is about lying. It’s about AI. It’s about a pen. But it’s about so much more. 

Cory Doctorow’s Refining Humanity takes on our propensity for explanation, personhood for machines, and that line we seem to want to dance with defining just what makes us human in the midst of it all. 

Meanwhile Martyn Berlin of Martyn’s Random Musings finds himself an outcast in To Have A Moral Stance On AI Is To Be An Outcast, And It Sucks.

At what cost art? Natasha MH wonders and writes about it in Sold At A Premium. At what cost, anything?

Mike Masnick thinks it’s not about whether technology is inherently good or bad, liberating or oppressive. You could argue the same could be said about most aspects of human endeavor. But then that’s the point. Tech is just another in a long line. Check out Enshittification, Despotification, And The Open Internet. 

“The only conviction worth having is the kind you could lose tomorrow and survive it.” JA Westenberg warns us not to take a pill, regardless of color in Be Thou Not Pilled. 

Mathew Ingram wonders Have Investors In AI Companies Lost Their Minds? I’m not sure we can call them investors any more. As to their minds? No comment.

Two interesting takes on what’s going on the business of making movies in Hollywood that occasionally and almost accidentally is about making art. M.G. Siegler talks about how YouTube Beats AI To Disrupting Hollywood. Meanwhile Sonny Bunch takes a look at The Thoughtlessness of AI Filmmaking. 

Word came down this week that a restaurant was finally going to fill one of the retail spaces in the Trump Tower in Chicago, after they had all sat empty for seventeen years. Neil Steinberg asks Will Chicago Happily Eat Dolmades And Drink Roditis In Trump Tower?

To close, click through the popover on John Gruber’s post This Is A Dickover, and give the post a read. You know what a Dickover is. Now you have a name for it.

(Image from Matias North on Unsplash)

Thanks for reading. Feel free to subscribe if you want. It’s free. If you’re interested in just what the heck Sunday Morning Reading is all about you can read more about the origins of Sunday Morning Reading here. If you’d like more click on the Sunday Morning Reading link in the category column to check out what’s been shared on Sunday’s past. You can also find more of my writings on Medium at this link, including in the publications Ellemeno and Rome. This site does not use affilate links. 

Segmenting The Future Of Computing

The days when the costs of technology decreasing over time have passed.

I’ve been writing a small bit about the segmentation I see coming in how we currently think of computing. Yes, it’s about Artificial Intelligence, and yes, it’s about money. There’s no question that we’re already seeing price increases due to chip shortages, but I’m thinking that’s just the beginning of what will make Apple’s reputation of shipping too expensive computers, prior to the MacBook Neo, seem like a memory.

A close-up photograph of overlapping neon signs illuminating a dark background. In the foreground, a prominent bright green neon sign is shaped like a dollar symbol ($\$$) by Aedrian salazar Wy7Gy8ZcW1M unsplash.

There’s no question that the cost associated with Artificial Intelligence is driving this and will continue to do so. The question is how much? Note that in the latest announcements from Google, Microsoft, and Nvidia heralding what’s coming that price tags weren’t revealed. Quite frankly from the way I’m reading the tea leaves scattered among the press releases, most of these companies are skittish because they don’t even know how high the cost curve is going to bend. Or they’re afraid of the sticker shock once they do find the courage to announce them.

The way I see it, the next period of time is going to be one where if you can afford the steeper prices of hardware and AI services, you’ll be able to play on that level. Those that can’t, and may not even need to, will be gradually left behind. Although for many that won’t prove to be that much of a problem given their needs. Initially.

Tell me honestly, what has any AI company promised, prior to this coming age of agents, that most computers can’t already do? Heck, even some of the promises agents can supposedly deliver don’t seem to offer that much more, unless you’re a software developer or in math sciences.

That said, operating systems and software are all being geared up along with consumer hardware to make the expensive side of the equation be the standard. 

Already we’re seeing moves away from AI robots doing their work in the various clouds. Companies are prepping local AI models to be installed on devices. Those local models are going to require memory and processing power that’s going to further drive up the hardware costs while possibly reducing the token tax. Gaming hardware is about to become really expensive. Back in the cloud, eventually we’re all going to be paying for search. Probably sooner, rather than later, if you want decent results. 

Speaking of taxes. Governments are starting to sniff around with their divining rods, sensing new money reservoirs to be tapped, while watching water resources stretched thin. There’s obviously a thirst. If, when, and where that happens will just add costs to be passed down the line. 

Take a look at this quote from Microsoft’s Satya Nadella:

“There are really two stories people can tell about this moment. One is that technology concentrates power, reduces human agency, and leaves to society to absorb the consequences. The other is that we use this next wave to unlock opportunity for developers, scientists, enterprises, and every community. And our job is to make the second story true.”

On the surface it sounds like there’s opportunity for what’s coming to be all inclusive. Clever. Beneath that surface I think Nadella is hinting that unless your computing needs are in fields of endeavor that will require AI to be competitive, you’re at the tail end of that second story and will probably be on the outside looking in while absorbing the consequences. There’s really only one story.

As I mentioned earlier, there are plenty of users who don’t need the latest and greatest hardware and will probably be just fine without. For a time. Unless the big players create operating systems and hardware that segment out some of what will only become compute heavy advances, consumers will eventually find today’s tasks more challenging and less secure as existing hardware slows down and future security updates are released on slower schedules. 

Of course that also leaves an opening. 

Perhaps companies that offer hardware and services that don’t push whatever current AI envelope is being pushed, might find a willing market. You could argue that Apple’s MacBook Neo, and Dell and others’ recent announcements to counter that somewhat surprising move, might presage this. Without lower entry price points, who knows, a lot of users might just return back to the days of envelopes and snail mail.

That’s probably too extreme a reaction, but we’ve seen similar reactions to technology in the past, some quite recent, once the gee whiz factor has worn off like the letters on cheap keyboards on even expensive computers. Think touch screen displays instead of buttons and dials in cars. Think home automation. Think the Metaverse. Think talking appliances. Think cars and machinery that require maintenance contracts. Think 3D TVs.

Those that love to dabble and explore frontiers and have the money to do so will always seek the next adventure. Go for it. Those who just want to send a birthday greeting, create a holiday card, share a calendar, proofread a document, or search for a local merchant don’t want a hustle or a hassle, or the increased expense that’s obviously coming.

For the moment, the days when the costs of technology decreasing over time have passed.

(Image from Aedrian Salazar on Unsplash)

You can also find more of my writings on a variety of topics on Medium at this link, including in the publications Ellemeno and Rome. I can also be found on social media under my name as above. This site does not use affilate links. 

Snookered

Time to do better

Damnit. I was snookered. 

Photo on 5-14-14 at 3.05 PM.

Those who follow this blog have probably read a Sunday Morning Reading column or two. In that column I link to what I believe to be good writing on important topics that interest me. In the most recent Sunday Morning Reading column I got snookered and posted a link to a piece that is fake, as is the entire Internet publication that posted it. 

Now let’s get this straight there’s plenty of blame to go around. I should have checked further into the story prior to linking to it. But as I said in an update to the post, it was a feel good story, and caught my eye at a time when I, and just about everyone else is desperate for any story that offers a ray of hope. 

So that’s on me. Apologies to all those who come here. 

But there’s also plenty of blame to be pointed at AllChronology.com, the owner of the site Chronology. I’m not linking to them here. The site is easy enough to find. I left the original link up in the original post as a reference, along with an update acknowledging my error.

That website is filled with stories, that I can only assume are AI generated. If you search for the authors of articles (most listed as distinguished) you won’t find the handful I searched for. That handful is enough to let me know that the guiding hand behind this site is connected to a body of rubbish. 

So, yes. I’m pissed off. At myself, and at whoever the humans (one can only make the assumption that there is a human presence in their somewhere) are behind this publication. It would be one thing if there were ads on the site. I don’t see any, so I assume it’s just data harvesting in some way or the other. I don’t get the point. Frankly, I don’t think there is one. The logic behind this bastardized effort makes no sense.

The bottom line is we’re living in a world where you can’t trust anything, or anyone. That sucks. I care. I hope you do too. I would hope those who come here trust what I write about and link to and I’m sorry I led you astray on this one.

Time to do better.

You can also find more of my writings on a variety of topics on Medium at this link, including in the publications Ellemeno and Rome. I can also be found on social media under my name as above. This site does not use affilate links. 

The Economics of AI Don’t Add Up

Bottom lines are where everything sinks to eventually

Money talks. Bullshit walks. Bubbles pop, and the world just keeps on burning while the big wheels just keep on turning. Pick a vibe. Pick a cliché. Pick a metaphor. Pick and mangle a song lyric. Just don’t try to pick a winner in the big AI race when it comes to dollars and cents. Or sense. The racers are running in circles, burning the planet and dollars trying to figure out how to keep things on a track no one has figured out quite yet. 

A snake eating its tail

Hint: It’s a circle, jerks.

From the beginning the hype about Artificial Intelligence has felt like it’s all about the vibes. So many vibes. I define “the beginning” as when OpenAI took the wraps off of ChatGPT and kick started the race. Maybe they should have just done a Kickstarter.

Those were heady days. I remember everyone thinking ChatGPT would replace Google. Now we’re at the point where Google is trying to replace itself.

Today, chatbots are replacing human connections, and all sorts of crustaceans are being installed on computers, causing some havoc in the hardware markets along the way. Things have now progressed to a point that folks are vibe coding up a storm, now that it seems more doable. And it’s interesting to see and hear some who were initially skeptical about the broad scope of AI now embracing it. For what it’s worth, the current vibe feels to me like AI is heading into its GUI phase of computing, only you need a keyboard or a microphone instead of a mouse to get around on a screen or without one.

And yet, when it comes to the money game, the vibe feels like the math behind all those 0’s and 1’s might not add up. 

Corporations are starting to scale back usage now that the bills are coming in. Microsoft and other tech companies are pulling plugs, in most cases for third party access among the employees they haven’t let go. At the same time there’s whispers that AI costs are beginning to exceed the costs of human employees. Corporations are starting to adjust because the beans they are counting don’t look like they will add up and no one has vibe coded an accounting app yet to project when, of if they will.

Consumers are looking at that $20 month subscription cost and backing off while trying to choose which, if any, of the constantly updating models that still promise inaccuracy will give them the best monthly bang for a double sawbuck. To make the math sting even more, Google, OpenAI, Claude, etc… are tossing around $100 a month (and higher) plans for the latest and supposedly best features that make $20 a month feel like a poor man’s vibe. 

There’s a technology intersection that has always been on the roadmap for computing technology since the dawn of the personal computer. To an extent, enterprise computing always subsidized consumer technology. The vibes I’m sensing hint that roadmap may be changing, and it won’t just affect the costs of using AI, computer memory, and chip production. It potentially may filter into every facet of life from medical bills, to insurance premiums, to any wholesale or retail concern that might employ AI. Don’t think for a minute that any company is going to simply eat the rising costs of AI usage, or cut back prices should using it somehow actually produce savings from cutting employees.

Call me when you hear the first company touting that they are cutting costs due to AI. Trust me, I won’t be waiting by the phone. 

If a vibe has a bottom line, here’s how I see this one. We’re heading into a moment where what we think of as computing and the Internet is going to run on two diverging tracks. It’s becoming obvious that whether someone is running any of the AI robots on their own device or somewhere on the Internet that the costs are more than anyone could have predicted, or thought might become sustainable. 

The $20 a month marker was a big hint early on. We were all used to the Internet come on of getting in free, being swamped with ads, and then having to eventually subscribe so our data could be collected. That $20 a month heralded a change, but only at the point of entry.

Given that we all know that advertising is coming to AI, we’re escaping the orbit that we’ve been in for quite some time that most of the Internet was free but required a level of tolerance for advertising. I’m guessing that those who can only afford the $20 a month price tag with ads will think back on the ways we’ve complained about the streaming entertainment services and their ad proliferation as quaint by comparison. 

The Circle

That $20 entry fee will rise. So will the more expensive options. I’m actually surprised we haven’t see that already. The fact that AI has to continually train itself to remain relevant means it’s going to continue to need new computing cycles to consume whatever is generated in the future, whether by humans or robots. I don’t think you can build enough data centers on the surface of this planet, under the sea, or in space to afford the churn and burn. That’s the circle. In the end it’s a real estate play that yields only cul-de-sacs.

Take a look at this article from Simon Willison. Unlike my pessimistic vibe on this, Willison seems to think Anthropic and OpenAI have found their product-market fit. He’s spending $200 a month ($100 to each) and considers that a bargain since his usage of the two generated $2,180 change in token use for a month. That math certianly adds up as a good deal in the current moment. Until you consider that at some point the difference between what he’s paying and what he’s using is going to have to be put on somebody’s balance sheet in some way. These companies can’t run at a loss forever. 

It’s a good piece by Willison that informs quite a bit on this discussion and worth your time, because I think that’s what the discussion is going to inevitably come down to. Set aside all of the debates about accuracy, copyright, and environmental issues. Set aside the rising consumer backlash. Bottom lines are where everything sinks to eventually.

I admire and am grateful for folks like Willison, Federico Viticci, and others who are exploring this frontier and think we should be paying attention to their efforts and learn from them. Viticci has crafted a few interesting bits of software of late and spent some coin in doing so. I’m enjoying reading about his efforts. 

I may be wrong, but it feels like we might be headed to a point that to use some software in the future we’re going to need one of these ever changing and increasingly expensive AI engines on our computers to run some of the software that will be generated in the future. That will certainly come with a price tag. If, (actually in my opinion when) that happens, it will become another border defined by costs, dividing users between those who can afford the entry fee, and those who can’t. 

It will also affect far more than our computing lives.

(Image from Viktoria_P on Shutterstock)

You can also find more of my writings on a variety of topics on Medium at this link, including in the publications Ellemeno and Rome. I can also be found on social media under my name as above. This site does not use affilate links. 

Two Weeks and Pinky Promises

Promises, promises

Two weeks. We’re all more familiar than we’d like to be with Donald Trump’s announcing anything and telling us it will manifest in two weeks. It’s become a joke worth laughing at, but without a punch line. It’s become mundane.

Two hands joined in a pinky promised. Photo by Olivia anne snyder wT_BwKOeEik unsplash.

We’ve also become accustomed to hearing promises from tech companies, that a safer and perhaps smarter course of action is to look askance with a skeptical eye, or perhaps turn a deaf ear. Autonomous driving is one of those, (as is anything Elon Musk promotes) and so too are most of the promises about achieving some sort of Generative Artificial Intelligence that might lead us all into some future where we all don’t have to work, money becomes no object, and all of our problems are solved. Let’s not forget curing cancer.

If we’re standing in the “foothills of the singularity,” I’m guessing those enjoying that view drove there instead of climbed.

It’s one thing for politicians and anyone trying to sell a product to make promises. It’s quite another when the world’s economy turns on the hype, yet never seems to suffer ill effects when deadlines are missed, ignored, or just punted down the road again and again.

Apple caught much deserved grief over its Apple Intelligence promises in 2024, as of yet still unrealized. But that seems to be one of the rare occasions when failure actually left a mark. Even so, that gigantic mistake seems to be have been quickly forgotten. It certainly doesn’t seem to have affected Apple’s bottom line. Even a class action settlement between Apple and those who bought into the promise when they bought a new iPhone doesn’t seem to have caused much of a ripple.

Even when software products are released, it feels like we’re too often in a perpetual beta, always waiting for the next update. When it comes to AI, there are so many bets being made on it being our future, even with all of the products today warning us that they are imperfect and capable of mistakes. When will someone pushing that hype tells us that those warnings will one day be gone? I’m guessing never. At least if the lawyers have a say.

I guess I’m showing my age when I say I grew up in a time when if you announced a product you were judged on whether or not you delivered. If you didn’t, how you handled the broken promise mattered. 

They say all good things come to those who wait. These days there are times when I wonder if any of it is worth any of the wait. The promises sure aren’t.

(Image from Olivia Anne Synder on Unsplash)

You can also find more of my writings on a variety of topics on Medium at this link, including in the publications Ellemeno and Rome. I can also be found on social media under my name as above. This site does not use affilate links. 

AI Foes Are Getting The Terrorist Treatment

Quite a protection racket

I guess the AI models are predicting problems. 

It’s obviously apparent that there’s an increasing sense of antagonism building around many of the issues associated with Artificial Intelligence. Data Center protests seem to be getting the most attention. The one thing you can say, is about AI is that it attracts detractors. Couple that up with the Trump administration’s policies to police speech and actions that they find unfavorable and it sounds like the interesting times we live in are about to become more interesting. 

Shutterstock 2783691001.

According to a report from Wired,

More than 1,000 pages of unpublished reports from the Department of Homeland Security, FBI, and fusion centers obtained by WIRED show a national shift taking place to surveil this new and worryingly broad category of people and activities deemed an emerging threat.

I encourage you to read the report. Not only do those of us who have major concerns about Artificial intelligence have all of the implications of the technology push to worry about, but apparently we may have to worry about expressing those concerns. 

The chaotic atmosphere that may result from emergent AI technology in the next five years may fuel large-scale protests that devolve into civil unrest and anti-tech violent extremist activity, especially in large urban areas such as New York City.

On the one hand you can say that the backlash might be having the desired and necessary effect. On the other, it looks like concerned CEOs are calling in their chits after stuffing money into the pockets of the Trump administration. 

Quite a protection racket. In the end, my guess is no one will be protected from any of this.

(Photo by Here Now on Shutterstock)

You can also find more of my writings on a variety of topics on Medium at this link, including in the publications Ellemeno and Rome. I can also be found on social media under my name as above. This site does not use affilate links. 

Sunday Morning Reading

Wandering through the Internet, disregarding along the way

We live in interesting times. I’m spending a lot of my time being interested in watching my grandkids develop, and watching everything around how I thought they might grow up change. In my opinion, change not necessarily for the better. They won’t know what things changed from necessarily, unless they choose to look into it. That assumes they’ll be able to do so the way we can now. I have my doubts about that. Regardless, that’s tomorrow. Here are some links to share in this edition of Sunday Morning Reading. 

A close-up photograph captures a bronze statue of a young boy sitting on a stone bench outdoors, absorbed in reading a book.

Terry Godier says the Internet is dying. I’m not sure if it’s dying, morphing, collapsing in on itself, or just in the midst of growing pains, but I take the point. Check out The Boring Internet. (That’s a link to the text version. There’s also an animated version here. Quite nicely done.

JA Westenberg believes Nobody Is Destined For Greatness. I happen to agree. Shakespeare gave his greatest comic villain, Malvolio, lines about being born great. I wish I could label our current day villains as comic. Perhaps one day.

Derek Sivers reminds us that Geography Is Four-Dimensional. How true. There’s a reason Shakespeare more often than not capitalized the word “Time.”

Stories about religion occasionally get shared here. Mostly they are stories about how it’s really not religion, but a cover for grift and abuse. This is one of those. He Remade The Southern Baptist Convention In His Image. Then Came The Abuse Allegations by Robert Downen chronicles yet another of those tales we seem to hear far too frequently these days.

For another take involving religion, check out Neil Steinberg’s Being Formed By Christians Does Not A Christian Make.  He quotes Thomas Jefferson’s “It does me no injury for my neighbor to say there are twenty gods, or no god. It neither picks my pocket nor breaks my leg.” I’m not sure we can say either of those things any more.

There was a bit of a funny fracas after Google’s all in on AI announcements this week at its annual I/O conference. Apparently for a short time after Google announced big changes to Search, you could not Google the word “disregard” and expect the usual quick definition. Google quickly fixed that. The root of the problem? “Disregard” is an AI command that you have to put in a prompt to keep the AI demons from you know, making a mistake. Check out Russell Brandom’s quick story, You Can No Longer Google the Word ‘Disregard.’

Speaking of Artificial Intelligence, the talk is all about agents. (Actually that’s been the talk for a while, the volume is just increasing.) Hayden Field thinks If Google Can’t Make AI Agents Useful, Maybe No One Can. FWIW, I think Hayden is spot on.

In an article The Economist credits as anonymous, someone thinks Vladimir Putin Is Losing His Grip On Russia. Perhaps that’s true. I don’t know about you, but I’m as tired of hearing about autocratic oligarchs losing their grip as I am about hearing all of the promises about generative AI and autonomous driving being just around the corner. 

If you’re interested in just what the heck Sunday Morning Reading is all about you can read more about the origins of Sunday Morning Reading here. If you’d like more click on the Sunday Morning Reading link in the category column to check out what’s been shared on Sunday’s past. You can also find more of my writings on Medium at this link, including in the publications Ellemeno and Rome. This site does not use affilate links. 

Google Is Paving A New Information Superhighway

Getting from here to there is about to change

This is a feelings post. Meaning it contains things I feel, more than things I know or can reliably speculate about. It comes in the wake of Google’s announcements at its recent I/O conference

An expansive aerial, high-angle photograph captures a major highway demolition and construction zone cutting through a dense, forested landscape under an overcast sky.
In the immediate foreground, an old concrete overpass bridge is actively being demolished. Several large excavators—colored in yellow, blue, and orange—are positioned around the rubble, using hydraulic breakers to smash the concrete structure into a large pile of grey debris, sending up small plumes of dust. Stripped brown dirt embankments frame either side of the demolition site, bordered by bright blue temporary construction barriers.

The way I’m feeling things, Google is essentially repaving what we’ve been referring to as The Information Superhighway, better known as the Internet. 

Gone (or soon to be gone) is the Google most Internet pedestrians think of when they think of Google. Google has decided it’s ready to quit A/B testing and slowly spoon feeding us Artificial Intelligence, and chosen to bulldoze new paths ahead that will be all AI, all the time, everywhere.

From what I’m seeing if you want to use Google’s products, whether it’s on a Google device, Samsung or other Android device, or even an Apple device, you’re serving Google in larger ways, while serving yourself. 

This has and continues to be a race that Google has always had the resources to win, and for the next few laps at least it feels like they will. Frankly, I don’t see the others being able to compete on that scale, for the simple reason that like it or not, Google is far more entrenched in users minds as a go to than any of the others. 

Also, the other competitors may be good at creating code, but they appear far more incompetent at selling what they offer. Google has become pervasive enough, that it doesn’t need to care as much.

As to feelings, this does feel bad as it feels inevitable. I liken it to the days of Interstate construction that spread across this country. Entire generations have grown up not knowing how to drive great distances without traveling along an Interstate. Sure, there are folks who avoid them and take their time along more conventional routes, but that’s a very distinct minority. 

Eventually there will be entire generations that will never know what the verb “Google” meant, the way those understand it today, just like those pre-Interstate generations of drivers. Even so, I’m guessing using it as a verb will probably mean the same to those down the road in the same way my grandkids don’t distinguish driving to grandpa’s house any differently than I do, when what today would take less than an hour, back then took at least two, often three.

But like many communities that slowly died out when Interstates and expressways bypassed towns, depressing changes will come to the Internet as Google owns more of the traffic and shares less, and essentially has to charge tolls to head down it’s superhighway, that used to be free. 

I’m still digesting the news from this week, and I don’t think the story has been completely told yet. There’s also no way to know that if any of these promises will ever pan out. (Google is as famous for announcing what might never come to pass as it is for search.) That’s why this is a feelings post. Perhaps one of the most unsettling feelings I have about all of this is that Apple, by adopting Google’s approach to AI, in lieu of its own failing efforts, is helping create an Internet universe that for most users, will essentially be controlled by Google. Samsung is already all in, Apple as of this fall will be too. That essentially means that buying a smartphone from one of the largest two sellers, or any other that uses Android, is buying a ticket to travel on Google’s superhighway.

The various theories that suppose Apple is doing this as a stop gap until it can come up with its own solution the way it had to with Maps back in the day, don’t hold much water in the vessel that is my brain. There’s money to be made certainly, but there’s money (lots of money) that needs to be spent to construct all of whatever Google thinks it has going. My hunch is Apple will let Google spend the dough, take the credit and the blame, (there will be plenty of both) and happily collect a percentage as long as it can still sell iPhones and other hardware.  

We live in interesting times. 

(Photo from Rob J. Follet on Shutterstock)

You can also find more of my writings on a variety of topics on Medium at this link, including in the publications Ellemeno and Rome. I can also be found on social media under my name as above. This site does not use affilate links. 

OpenAI Wants Your Financial Info

Fun and games with frontier financing

Oh, ye brave intrepid adventurers trodding through the frontier, trod on. Carve your way into uncharted territory, knowing not what lies beyond the bend. The rest of us will wait. I’m guessing the rest of us are going to be quite content doing so.

This image shows two side-by-side screenshots of a mobile application interface designed for personal finance management, featuring a clean, minimalist aesthetic with a green and white color palette.

News popped today that OpenAI wants users of ChatGPT to provide access to their bank accounts and other financial data.

Read that again.

The chatbot that’s famous for telling us it might make a mistake, and delivering on that promise, wants users to turn over access to their banking accounts to help them better understand their finances.

The article from The Verge I saw pop across my feeds begins its lede with “Your trust in AI is about to be put to the test.” It could have just as easily said, “OpenAI is looking for suckers.”

I’m not going to get into the whys and wherefores of the tech behind this. The article linked above gives you some of that info. TechCrunch has another if you care to look. There does seem to be a list of well known financial institutions that are willing to let there customers connect to the service including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One. Apparently there are over 12,000.

Quoting from the TechCrunch article:

With the new financial tool integration, users can get detailed answers to questions such as “I feel like I’ve been spending more recently. Has anything changed?” or “Help me build a plan to be ready to buy a house in my area in the next 5 years.”

Tell me you didn’t read that and immediately think that the minute a user enters that prompt they will immediately start receiving offers from those 12,000 financial institutions. That’s where this is headed. And as far as the history of the Internet is concerned, AI or not, that’s what it’s all turned into.

The reality is that just like with the health data that OpenAI also wants, whether users turn this type of info over or not, the data is going to be delivered to some data center at some point. Don’t think the three credit bureaus aren’t just waiting for the right offer to turn over your data, much the same way insurance companies are with your health data. Users donating their data will just provide another point of triangulation, and a more direct access to their inboxes.

If you ask me, this is just another exercise taking advantage of human curiosity and gullibility and turning that into more vectors to sell, sell, sell.

If those willing to head out into this new frontier of finance are willing to take that gamble, I say go for it. Let us know what you find.

My hunch it won’t be anything new.

(Image from OpenAI)

You can also find more of my writings on a variety of topics on Medium at this link, including in the publications Ellemeno and Rome. I can also be found on social media under my name as above. This site does not use affilate links. 

 

Indigo: A Well Designed Social Media App For Those Who Need It

Good design and execution matter.

Here’s something I’ve been recently thinking about software. There’s really nothing new under the sun. And the skies have been cloudy for a good while. It feels like we’ve reached a point where the only difference between apps within a category boil down to execution and design. Often not even then.

Screenshot of new social media app Indigo

Perhaps we’ve exhausted all of the ideas for what software can do and we’re just looking for a better iteration of what we already have at hand.

I’m talking on a consumer level. Beyond whatever AI supposedly offers, and the explosion of social media apps that happened when Twitter x-ed itself out, I can’t name an app or piece of software in the last few years that wasn’t a different version of something that already existed. Even AI software feels like it’s more of the same, just at a quicker pace.

Certainly there are nuances. But over time they tend to blur. As an example, take weather apps. They’ve all recently followed the leader (I don’t know which app that was) to display variable forecasts from different weather sources. It’s a good feature given that weather services can offer different forecasts. But as most weather apps have quickly adopted similar features, once again there isn’t much of a differentiator between them. Unless Carrot Weather’s bell weather use of insults is your cup of tea.

Don’t get me wrong. Execution and design can (and should) go a long way. Even more so when all things seem much the same or serve the same purpose. Beyond price, that’s really the only big differentiator.

It’s why I’ll try out an app that looks like it doesn’t offer anything beyond what I already have. Within that personal scope, let me say that the new social media browsing and crossposting app Indigo is worth your attention if its functionality fits how you use social media.

Indigo is the creation of Soapbox, the developers who created crossposting app Croissant. (I wrote about it when it released.) While Croissant allows you to cross post to Mastodon, Bluesky, and Threads, (functionality I find useful), Indigo is meant primarily to merge and scroll through a single timeline of your Mastodon and Bluesky feeds. You can also crosspost to both if that’s your desire. Threads isn’t included, as it doesn’t allow for viewing its timelines in the same way, which is curious as it is supposedly federated with Activity Pub.

If scrolling social media feeds is your thing, Indigo is certainly worth a look. It’s very well designed, and easy to discover its functionality.

It’s a first version of the app, and as one of the developers, Aaron Vegh says on his blog, “The Indigo we’re shipping today is going to be the worst version.” For the worst and first version, I believe Aaron and Ben McCarthy have done an excellent job. (You should read both Aaron’s and Ben’s blog posts. Ben’s describes the functionality quite well.) Having followed the development of Croissant since its release, I’ll say that the care they’ve used in the past with that app points to the same for the future of Indigo.

If you use both Mastodon and Bluesky, once you sign in to both through Indigo, you see your feeds merged together. You don’t need to use both social networks. The functionality is the same if you prefer only one of the two social networks. So, if you’re user of only one, it could replace whatever app you might currently be using.

One of the nicest design touches, and obviously an essential one, is that it’s easy to distinguish where things are coming from if you merge your timelines. Mastodon links are purple and those from Bluesky are, well they’re blue.

You can tell if a post is crossposted between the two networks, and another nice feature is that Indigo will merge the two in some cases (timing plays a part) so you don’t see them twice. You can switch between each version and take actions like quoting or replying to both at the same time.

If you’ve used Croissant to crosspost, doing so on Indigo will feel very familiar. Notifications, should you choose to receive them on your device, work as you would expect. The Notification tab in the app is quite well done and easy to understand.

The app is available for the iPhone, iPad, and Mac, and a single subscription covers you across devices. There is a free tier that’s read-only. If you’re interested in Indigo, the free tier is read only. That’s good way to determine if the excellent design of the app appeals to you.

If you use both social networks and would like to combine your feeds into one timeline I think Indigo is worth a look. Let me say this about Indigo and my social media usage. The single merged timeline feature has its attraction, but it’s not something that’s a high priority for me and that brings me back to the beginning of this post.

I like to keep my eye out for developers who focus on good design and good functionality. That’s the case with Indigo. As in this case, an app may not fit my needs, but I’ll remember the developers or company behind it. It’s much the same way I follow good theatre or film directors, and good writers.

I don’t see many new ideas or new needs to fill coming down the software or app pike in the near future. That may say more about me than it does the software market these days. Even so, that view of mine has me paying even closer attention to those who care about the look and feel of what they produce.

(image from the author)

You can also find more of my writings on a variety of topics on Medium at this link, including in the publications Ellemeno and Rome. I can also be found on social media under my name as above. This site does not use affilate links.