R package for Customer Behavior Analysis

W3C Strategic Highlights September 2019 This report was prepared for the September 2019 W3C Advisory Committee Meeting (W3C Member link). See the accompanying W3C Fact Sheet — September 2019. For the previous edition, see the April 2019 W3C Strategic Highlights. For future editions of this report, please consult the latest version. A Chinese translation is available. ☰ Contents Introduction Future Web Standards Meeting Industry Needs Web Payments Digital Publishing Media and Entertainment Web & Telecommunications Real-Time Communications (WebRTC) Web & Networks Automotive Web of Things Strengthening the Core of the Web HTML CSS Fonts SVG Audio Performance Web Performance WebAssembly Testing Browser Testing and Tools WebPlatform Tests Web of Data Web for All Security, Privacy, Identity Internationalization (i18n) Web Accessibility Outreach to the world W3C Developer Relations W3C Training Translations W3C Liaisons Introduction This report highlights recent work of enhancement of the existing landscape of the Web platform and innovation for the growth and strength of the Web. 33 working groups and a dozen interest groups enable W3C to pursue its mission through the creation of Web standards, guidelines, and supporting materials. We track the tremendous work done across the Consortium through homogeneous work-spaces in Github which enables better monitoring and management. We are in the middle of a period where we are chartering numerous working groups which demonstrate the rapid degree of change for the Web platform: After 4 years, we are nearly ready to publish a Payment Request API Proposed Recommendation and we need to soon charter follow-on work. In the last year we chartered the Web Payment Security Interest Group. In the last year we chartered the Web Media Working Group with 7 specifications for next generation Media support on the Web. We have Accessibility Guidelines under W3C Member review which includes Silver, a new approach. We have just launched the Decentralized Identifier Working Group which has tremendous potential because Decentralized Identifier (DID) is an identifier that is globally unique, resolveable with high availability, and cryptographically verifiable. We have Privacy IG (PING) under W3C Member review which strengthens our focus on the tradeoff between privacy and function. We have a new CSS charter under W3C Member review which maps the group's work for the next three years. In this period, W3C and the WHATWG have succesfully completed the negotiation of a Memorandum of Understanding rooted in the mutual belief that that having two distinct specifications claiming to be normative is generally harmful for the Web community. The MOU, signed last May, describes how the two organizations are to collaborate on the development of a single authoritative version of the HTML and DOM specifications. W3C subsequently rechartered the HTML Working Group to assist the W3C community in raising issues and proposing solutions for the HTML and DOM specifications, and for the production of W3C Recommendations from WHATWG Review Drafts. As the Web evolves continuously, some groups are looking for ways for specifications to do so as well. So-called "evergreen recommendations" or "living standards" aim to track continuous development (and maintenance) of features, on a feature-by-feature basis, while getting review and patent commitments. We see the maturation and further development of an incredible number of new technologies coming to the Web. Continued progress in many areas demonstrates the vitality of the W3C and the Web community, as the rest of the report illustrates. Future Web Standards W3C has a variety of mechanisms for listening to what the community thinks could become good future Web standards. These include discussions with the Membership, discussions with other standards bodies, the activities of thousands of participants in over 300 community groups, and W3C Workshops. There are lots of good ideas. The W3C strategy team has been identifying promising topics and invites public participation. Future, recent and under consideration Workshops include: Inclusive XR (5-6 November 2019, Seattle, WA, USA) to explore existing and future approaches on making Virtual and Augmented Reality experiences more inclusive, including to people with disabilities; W3C Workshop on Data Models for Transportation (12-13 September 2019, Palo Alto, CA, USA) W3C Workshop on Web Games (27-28 June 2019, Redmond, WA, USA), view report Second W3C Workshop on the Web of Things (3-5 June 2019, Munich, Germany) W3C Workshop on Web Standardization for Graph Data; Creating Bridges: RDF, Property Graph and SQL (4-6 March 2019, Berlin, Germany), view report Web & Machine Learning. The Strategy Funnel documents the staff's exploration of potential new work at various phases: Exploration and Investigation, Incubation and Evaluation, and eventually to the chartering of a new standards group. The Funnel view is a GitHub Project where new area are issues represented by “cards” which move through the columns, usually from left to right. Most cards start in Exploration and move towards Chartering, or move out of the funnel. Public input is welcome at any stage but particularly once Incubation has begun. This helps W3C identify work that is sufficiently incubated to warrant standardization, to review the ecosystem around the work and indicate interest in participating in its standardization, and then to draft a charter that reflects an appropriate scope. Ongoing feedback can speed up the overall standardization process. Since the previous highlights document, W3C has chartered a number of groups, and started discussion on many more: Newly Chartered or Rechartered Web Application Security WG (03-Apr) Web Payment Security IG (17-Apr) Patent and Standards IG (24-Apr) Web Applications WG (14-May) Web & Networks IG (16-May) Media WG (23-May) Media and Entertainment IG (06-Jun) HTML WG (06-Jun) Decentralized Identifier WG (05-Sep) Extended Privacy IG (PING) (30-Sep) Verifiable Claims WG (30-Sep) Service Workers WG (31-Dec) Dataset Exchange WG (31-Dec) Web of Things Working Group (31-Dec) Web Audio Working Group (31-Dec) Proposed charters / Advance Notice Accessibility Guidelines WG Privacy IG (PING) RDF Literal Direction WG Timed Text WG CSS WG Web Authentication WG Closed Internationalization Tag Set IG Meeting Industry Needs Web Payments All Web Payments specifications W3C's payments standards enable a streamlined checkout experience, enabling a consistent user experience across the Web with lower front end development costs for merchants. Users can store and reuse information and more quickly and accurately complete online transactions. The Web Payments Working Group has republished Payment Request API as a Candidate Recommendation, aiming to publish a Proposed Recommendation in the Fall 2019, and is discussing use cases and features for Payment Request after publication of the 1.0 Recommendation. Browser vendors have been finalizing implementation of features added in the past year (view the implementation report). As work continues on the Payment Handler API and its implementation (currently in Chrome and Edge Canary), one focus in 2019 is to increase adoption in other browsers. Recently, Mastercard demonstrated the use of Payment Request API to carry out EMVCo's Secure Remote Commerce (SRC) protocol whose payment method definition is being developed with active participation by Visa, Mastercard, American Express, and Discover. Payment method availability is a key factor in merchant considerations about adopting Payment Request API. The ability to get uniform adoption of a new payment method such as Secure Remote Commerce (SRC) also depends on the availability of the Payment Handler API in browsers, or of proprietary alternatives. Web Monetization, which the Web Payments Working Group will discuss again at its face-to-face meeting in September, can be used to enable micropayments as an alternative revenue stream to advertising. Since the beginning of 2019, Amazon, Brave Software, JCB, Certus Cybersecurity Solutions and Netflix have joined the Web Payments Working Group. In April, W3C launched the Web Payment Security Group to enable W3C, EMVCo, and the FIDO Alliance to collaborate on a vision for Web payment security and interoperability. Participants will define areas of collaboration and identify gaps between existing technical specifications in order to increase compatibility among different technologies, such as: How do SRC, FIDO, and Payment Request relate? The Payment Services Directive 2 (PSD2) regulations in Europe are scheduled to take effect in September 2019. What is the role of EMVCo, W3C, and FIDO technologies, and what is the current state of readiness for the deadline? How can we improve privacy on the Web at the same time as we meet industry requirements regarding user identity? Digital Publishing All Digital Publishing specifications, Publication milestones The Web is the universal publishing platform. Publishing is increasingly impacted by the Web, and the Web increasingly impacts Publishing. Topic of particular interest to Publishing@W3C include typography and layout, accessibility, usability, portability, distribution, archiving, offline access, print on demand, and reliable cross referencing. And the diverse publishing community represented in the groups consist of the traditional "trade" publishers, ebook reading system manufacturers, but also publishers of audio book, scholarly journals or educational materials, library scientists or browser developers. The Publishing Working Group currently concentrates on Audiobooks which lack a comprehensive standard, thus incurring extra costs and time to publish in this booming market. Active development is ongoing on the future standard: Publication Manifest Audiobook profile for Web Publications Lightweight Packaging Format The BD Comics Manga Community Group, the Synchronized Multimedia for Publications Community Group, the Publishing Community Group and a future group on archival, are companions to the working group where specific work is developed and incubated. The Publishing Community Group is a recently launched incubation channel for Publishing@W3C. The goal of the group is to propose, document, and prototype features broadly related to: publications on the Web reading modes and systems and the user experience of publications The EPUB 3 Community Group has successfully completed the revision of EPUB 3.2. The Publishing Business Group fosters ongoing participation by members of the publishing industry and the overall ecosystem in the development of Web infrastructure to better support the needs of the industry. The Business Group serves as an additional conduit to the Publishing Working Group and several Community Groups for feedback between the publishing ecosystem and W3C. The Publishing BG has played a vital role in fostering and advancing the adoption and continued development of EPUB 3. In particular the BG provided critical support to the update of EPUBCheck to validate EPUB content to the new EPUB 3.2 specification. This resulted in the development, in conjunction with the EPUB3 Community Group, of a new generation of EPUBCheck, i.e., EPUBCheck 4.2 production-ready release. Media and Entertainment All Media specifications The Media and Entertainment vertical tracks media-related topics and features that create immersive experiences for end users. HTML5 brought standard audio and video elements to the Web. Standardization activities since then have aimed at turning the Web into a professional platform fully suitable for the delivery of media content and associated materials, enabling missing features to stream video content on the Web such as adaptive streaming and content protection. Together with Microsoft, Comcast, Netflix and Google, W3C received an Technology & Engineering Emmy Award in April 2019 for standardization of a full TV experience on the Web. Current goals are to: Reinforce core media technologies: Creation of the Media Working Group, to develop media-related specifications incubated in the WICG (e.g. Media Capabilities, Picture-in-picture, Media Session) and maintain maintain/evolve Media Source Extensions (MSE) and Encrypted Media Extensions (EME). Improve support for Media Timed Events: data cues incubation. Enhance color support (HDR, wide gamut), in scope of the CSS WG and in the Color on the Web CG. Reduce fragmentation: Continue annual releases of a common and testable baseline media devices, in scope of the Web Media APIs CG and in collaboration with the CTA WAVE Project. Maintain the Road-map of Media Technologies for the Web which highlights Web technologies that can be used to build media applications and services, as well as known gaps to enable additional use cases. Create the future: Discuss perspectives for Media and Entertainment for the Web. Bring the power of GPUs to the Web (graphics, machine learning, heavy processing), under incubation in the GPU for the Web CG. Transition to a Working Group is under discussion. Determine next steps after the successful W3C Workshop on Web Games of June 2019. View the report. Timed Text The Timed Text Working Group develops and maintains formats used for the representation of text synchronized with other timed media, like audio and video, and notably works on TTML, profiles of TTML, and WebVTT. Recent progress includes: A robust WebVTT implementation report poises the specification for publication as a proposed recommendation. Discussions around re-chartering, notably to add a TTML Profile for Audio Description deliverable to the scope of the group, and clarify that rendering of captions within XR content is also in scope. Immersive Web Hardware that enables Virtual Reality (VR) and Augmented Reality (AR) applications are now broadly available to consumers, offering an immersive computing platform with both new opportunities and challenges. The ability to interact directly with immersive hardware is critical to ensuring that the web is well equipped to operate as a first-class citizen in this environment. The Immersive Web Working Group has been stabilizing the WebXR Device API while the companion Immersive Web Community Group incubates the next series of features identified as key for the future of the Immersive Web. W3C plans a workshop focused on the needs and benefits at the intersection of VR & Accessibility (Inclusive XR), on 5-6 November 2019 in Seattle, WA, USA, to explore existing and future approaches on making Virtual and Augmented Reality experiences more inclusive. Web & Telecommunications The Web is the Open Platform for Mobile. Telecommunication service providers and network equipment providers have long been critical actors in the deployment of Web technologies. As the Web platform matures, it brings richer and richer capabilities to extend existing services to new users and devices, and propose new and innovative services. Real-Time Communications (WebRTC) All Real-Time Communications specifications WebRTC has reshaped the whole communication landscape by making any connected device a potential communication end-point, bringing audio and video communications anywhere, on any network, vastly expanding the ability of operators to reach their customers. WebRTC serves as the corner-stone of many online communication and collaboration services. The WebRTC Working Group aims to bringing WebRTC 1.0 (and companion specification Media Capture and Streams) to Recommendation by the end of 2019. Intense efforts are focused on testing (supported by a dedicated hackathon at IETF 104) and interoperability. The group is considering pushing features that have not gotten enough traction to separate modules or to a later minor revision of the spec. Beyond WebRTC 1.0, the WebRTC Working Group will focus its efforts on WebRTC NV which the group has started documenting by identifying use cases. Web & Networks Recently launched, in the wake of the May 2018 Web5G workshop, the Web & Networks Interest Group is chaired by representatives from AT&T, China Mobile and Intel, with a goal to explore solutions for web applications to achieve better performance and resource allocation, both on the device and network. The group's first efforts are around use cases, privacy & security requirements and liaisons. Automotive All Automotive specifications To create a rich application ecosystem for vehicles and other devices allowed to connect to the vehicle, the W3C Automotive Working Group is delivering a service specification to expose all common vehicle signals (engine temperature, fuel/charge level, range, tire pressure, speed, etc.) The Vehicle Information Service Specification (VISS), which is a Candidate Recommendation, is seeing more implementations across the industry. It provides the access method to a common data model for all the vehicle signals –presently encapsulating a thousand or so different data elements– and will be growing to accommodate the advances in automotive such as autonomous and driver assist technologies and electrification. The group is already working on a successor to VISS, leveraging the underlying data model and the VIWI submission from Volkswagen, for a more robust means of accessing vehicle signals information and the same paradigm for other automotive needs including location-based services, media, notifications and caching content. The Automotive and Web Platform Business Group acts as an incubator for prospective standards work. One of its task forces is using W3C VISS in performing data sampling and off-boarding the information to the cloud. Access to the wealth of information that W3C's auto signals standard exposes is of interest to regulators, urban planners, insurance companies, auto manufacturers, fleet managers and owners, service providers and others. In addition to components needed for data sampling and edge computing, capturing user and owner consent, information collection methods and handling of data are in scope. The upcoming W3C Workshop on Data Models for Transportation (September 2019) is expected to focus on the need of additional ontologies around transportation space. Web of Things All Web of Things specifications W3C's Web of Things work is designed to bridge disparate technology stacks to allow devices to work together and achieve scale, thus enabling the potential of the Internet of Things by eliminating fragmentation and fostering interoperability. Thing descriptions expressed in JSON-LD cover the behavior, interaction affordances, data schema, security configuration, and protocol bindings. The Web of Things complements existing IoT ecosystems to reduce the cost and risk for suppliers and consumers of applications that create value by combining multiple devices and information services. There are many sectors that will benefit, e.g. smart homes, smart cities, smart industry, smart agriculture, smart healthcare and many more. The Web of Things Working Group is finishing the initial Web of Things standards, with support from the Web of Things Interest Group: Web of Things Architecture Thing Descriptions Strengthening the Core of the Web HTML The HTML Working Group was chartered early June to assist the W3C community in raising issues and proposing solutions for the HTML and DOM specifications, and to produce W3C Recommendations from WHATWG Review Drafts. A few days before, W3C and the WHATWG signed a Memorandum of Understanding outlining the agreement to collaborate on the development of a single version of the HTML and DOM specifications. Issues and proposed solutions for HTML and DOM done via the newly rechartered HTML Working Group in the WHATWG repositories The HTML Working Group is targetting November 2019 to bring HTML and DOM to Candidate Recommendations. CSS All CSS specifications CSS is a critical part of the Open Web Platform. The CSS Working Group gathers requirements from two large groups of CSS users: the publishing industry and application developers. Within W3C, those groups are exemplified by the Publishing groups and the Web Platform Working Group. The former requires things like better pagination support and advanced font handling, the latter needs intelligent (and fast!) scrolling and animations. What we know as CSS is actually a collection of almost a hundred specifications, referred to as ‘modules’. The current state of CSS is defined by a snapshot, updated once a year. The group also publishes an index defining every term defined by CSS specifications. Fonts All Fonts specifications The Web Fonts Working Group develops specifications that allow the interoperable deployment of downloadable fonts on the Web, with a focus on Progressive Font Enrichment as well as maintenance of WOFF Recommendations. Recent and ongoing work includes: Early API experiments by Adobe and Monotype have demonstrated the feasibility of a font enrichment API, where a server delivers a font with minimal glyph repertoire and the client can query the full repertoire and request additional subsets on-the-fly. In other experiments, the Brotli compression used in WOFF 2 was extended to support shared dictionaries and patch update. Metrics to quantify improvement are a current hot discussion topic. The group will meet at ATypi 2019 in Japan, to gather requirements from the international typography community. The group will first produce a report summarizing the strengths and weaknesses of each prototype solution by Q2 2020. SVG All SVG specifications SVG is an important and widely-used part of the Open Web Platform. The SVG Working Group focuses on aligning the SVG 2.0 specification with browser implementations, having split the specification into a currently-implemented 2.0 and a forward-looking 2.1. Current activity is on stabilization, increased integration with the Open Web Platform, and test coverage analysis. The Working Group was rechartered in March 2019. A new work item concerns native (non-Web-browser) uses of SVG as a non-interactive, vector graphics format. Audio The Web Audio Working Group was extended to finish its work on the Web Audio API, expecting to publish it as a Recommendation by year end. The specification enables synthesizing audio in the browser. Audio operations are performed with audio nodes, which are linked together to form a modular audio routing graph. Multiple sources — with different types of channel layout — are supported. This modular design provides the flexibility to create complex audio functions with dynamic effects. The first version of Web Audio API is now feature complete and is implemented in all modern browsers. Work has started on the next version, and new features are being incubated in the Audio Community Group. Performance Web Performance All Web Performance specifications There are currently 18 specifications in development in the Web Performance Working Group aiming to provide methods to observe and improve aspects of application performance of user agent features and APIs. The W3C team is looking at related work incubated in the W3C GPU for the Web (WebGPU) Community Group which is poised to transition to a W3C Working Group. A preliminary draft charter is available. WebAssembly All WebAssembly specifications WebAssembly improves Web performance and power by being a virtual machine and execution environment enabling loaded pages to run native (compiled) code. It is deployed in Firefox, Edge, Safari and Chrome. The specification will soon reach Candidate Recommendation. WebAssembly enables near-native performance, optimized load time, and perhaps most importantly, a compilation target for existing code bases. While it has a small number of native types, much of the performance increase relative to Javascript derives from its use of consistent typing. WebAssembly leverages decades of optimization for compiled languages and the byte code is optimized for compactness and streaming (the web page starts executing while the rest of the code downloads). Network and API access all occurs through accompanying Javascript libraries -- the security model is identical to that of Javascript. Requirements gathering and language development occur in the Community Group while the Working Group manages test development, community review and progression of specifications on the Recommendation Track. Testing Browser testing plays a critical role in the growth of the Web by: Improving the reliability of Web technology definitions; Improving the quality of implementations of these technologies by helping vendors to detect bugs in their products; Improving the data available to Web developers on known bugs and deficiencies of Web technologies by publishing results of these tests. Browser Testing and Tools The Browser Testing and Tools Working Group is developing WebDriver version 2, having published last year the W3C Recommendation of WebDriver. WebDriver acts as a remote control interface that enables introspection and control of user agents, provides a platform- and language-neutral wire protocol as a way for out-of-process programs to remotely instruct the behavior of Web, and emulates the actions of a real person using the browser. WebPlatform Tests The WebPlatform Tests project now provides a mechanism which allows to fully automate tests that previously needed to be run manually: TestDriver. TestDriver enables sending trusted key and mouse events, sending complex series of trusted pointer and key interactions for things like in-content drag-and-drop or pinch zoom, and even file upload. Since 2014 W3C began work on this coordinated open-source effort to build a cross-browser test suite for the Web Platform, which WHATWG, and all major browsers adopted. Web of Data All Data specifications There have been several great success stories around the standardization of data on the web over the past year. Verifiable Claims seems to have significant uptake. It is also significant that the Distributed Identifier WG charter has received numerous favorable reviews, and was just recently launched. JSON-LD has been a major success with the large deployment on Web sites via schema.org. JSON-LD 1.1 completed technical work, about to transition to CR More than 25% of websites today include schema.org data in JSON-LD The Web of Things description is in CR since May, making use of JSON-LD Verifiable Credentials data model is in CR since July, also making use of JSON-LD Continued strong interest in decentralized identifiers Engagement from the TAG with reframing core documents, such as Ethical Web Principles, to include data on the web within their scope Data is increasingly important for all organizations, especially with the rise of IoT and Big Data. W3C has a mature and extensive suite of standards relating to data that were developed over two decades of experience, with plans for further work on making it easier for developers to work with graph data and knowledge graphs. Linked Data is about the use of URIs as names for things, the ability to dereference these URIs to get further information and to include links to other data. There are ever-increasing sources of open Linked Data on the Web, as well as data services that are restricted to the suppliers and consumers of those services. The digital transformation of industry is seeking to exploit advanced digital technologies. This will facilitate businesses to integrate horizontally along the supply and value chains, and vertically from the factory floor to the office floor. W3C is seeking to make it easier to support enterprise-wide data management and governance, reflecting the strategic importance of data to modern businesses. Traditional approaches to data have focused on tabular databases (SQL/RDBMS), Comma Separated Value (CSV) files, and data embedded in PDF documents and spreadsheets. We're now in midst of a major shift to graph data with nodes and labeled directed links between them. Graph data is: Faster than using SQL and associated JOIN operations More favorable to integrating data from heterogeneous sources Better suited to situations where the data model is evolving In the wake of the recent W3C Workshop on Graph Data we are in the process of launching a Graph Standardization Business Group to provide a business perspective with use cases and requirements, to coordinate technical standards work and liaisons with external organizations. Web for All Security, Privacy, Identity All Security specifications, all Privacy specifications Authentication on the Web As the WebAuthn Level 1 W3C Recommendation published last March is seeing wide implementation and adoption of strong cryptographic authentication, work is proceeding on Level 2. The open standard Web API gives native authentication technology built into native platforms, browsers, operating systems (including mobile) and hardware, offering protection against hacking, credential theft, phishing attacks, thus aiming to end the era of passwords as a security construct. You may read more in our March press release. Privacy An increasing number of W3C specifications are benefitting from Privacy and Security review; there are security and privacy aspects to every specification. Early review is essential. Working with the TAG, the Privacy Interest Group has updated the Self-Review Questionnaire: Security and Privacy. Other recent work of the group includes public blogging further to the exploration of anti-patterns in standards and permission prompts. Security The Web Application Security Working Group adopted Feature Policy, aiming to allow developers to selectively enable, disable, or modify the behavior of some of these browser features and APIs within their application; and Fetch Metadata, aiming to provide servers with enough information to make a priori decisions about whether or not to service a request based on the way it was made, and the context in which it will be used. The Web Payment Security Interest Group, launched last April, convenes members from W3C, EMVCo, and the FIDO Alliance to discuss cooperative work to enhance the security and interoperability of Web payments (read more about payments). Internationalization (i18n) All Internationalization specifications, educational articles related to Internationalization, spec developers checklist Only a quarter or so current Web users use English online and that proportion will continue to decrease as the Web reaches more and more communities of limited English proficiency. If the Web is to live up to the "World Wide" portion of its name, and for the Web to truly work for stakeholders all around the world engaging with content in various languages, it must support the needs of worldwide users as they engage with content in the various languages. The growth of epublishing also brings requirements for new features and improved typography on the Web. It is important to ensure the needs of local communities are captured. The W3C Internationalization Initiative was set up to increase in-house resources dedicated to accelerating progress in making the World Wide Web "worldwide" by gathering user requirements, supporting developers, and education & outreach. For an overview of current projects see the i18n radar. W3C's Internationalization efforts progressed on a number of fronts recently: Requirements: New African and European language groups will work on the gap analysis, errata and layout requirements. Gap analysis: Japanese, Devanagari, Bengali, Tamil, Lao, Khmer, Javanese, and Ethiopic updated in the gap-analysis documents. Layout requirements document: notable progress tracked in the Southeast Asian Task Force while work continues on Chinese layout requirements. Developer support: Spec reviews: the i18n WG continues active review of specifications of the WHATWG and other W3C Working Groups. Short review checklist: easy way to begin a self-review to help spec developers understand what aspects of their spec are likely to need attention for internationalization, and points them to more detailed checklists for the relevant topics. It also helps those reviewing specs for i18n issues. Strings on the Web: Language and Direction Metadata lays out issues and discusses potential solutions for passing information about language and direction with strings in JSON or other data formats. The document was rewritten for clarity, and expanded. The group is collaborating with the JSON-LD and Web Publishing groups to develop a plan for updating RDF, JSON-LD and related specifications to handle metadata for base direction of text (bidi). User-friendly test format: a new format was developed for Internationalization Test Suite tests, which displays helpful information about how the test works. This particularly useful because those tests are pointed to by educational materials and gap-analysis documents. Web Platform Tests: a large number of tests in the i18n test suite have been ported to the WPT repository, including: css-counter-styles, css-ruby, css-syntax, css-test, css-text-decor, css-writing-modes, and css-pseudo. Education & outreach: (for all educational materials, see the HTML & CSS Authoring Techniques) Web Accessibility All Accessibility specifications, WAI resources The Web Accessibility Initiative supports W3C's Web for All mission. Recent achievements include: Education and training: Inaccessibility of CAPTCHA updated to bring our analysis and recommendations up to date with CAPTCHA practice today, concluding two years of extensive work and invaluable input from the public (read more on the W3C Blog Learn why your web content and applications should be accessible. The Education and Outreach Working Group has completed revision and updating of the Business Case for Digital Accessibility. Accessibility guidelines: The Accessibility Guidelines Working Group has continued to update WCAG Techniques and Understanding WCAG 2.1; and published a Candidate Recommendation of Accessibility Conformance Testing Rules Format 1.0 to improve inter-rater reliability when evaluating conformance of web content to WCAG An updated charter is being developed to host work on "Silver", the next generation accessibility guidelines (WCAG 2.2) There are accessibility aspects to most specifications. Check your work with the FAST checklist. Outreach to the world W3C Developer Relations To foster the excellent feedback loop between Web Standards development and Web developers, and to grow participation from that diverse community, recent W3C Developer Relations activities include: @w3cdevs tracks the enormous amount of work happening across W3C W3C Track during the Web Conference 2019 in San Francisco Tech videos: W3C published the 2019 Web Games Workshop videos The 16 September 2019 Developer Meetup in Fukuoka, Japan, is open to all and will combine a set of technical demos prepared by W3C groups, and a series of talks on a selected set of W3C technologies and projects W3C is involved with Mozilla, Google, Samsung, Microsoft and Bocoup in the organization of ViewSource 2019 in Amsterdam (read more on the W3C Blog) W3C Training In partnership with EdX, W3C's MOOC training program, W3Cx offers a complete "Front-End Web Developer" (FEWD) professional certificate program that consists of a suite of five courses on the foundational languages that power the Web: HTML5, CSS and JavaScript. We count nearly 900K students from all over the world. Translations Many Web users rely on translations of documents developed at W3C whose official language is English. W3C is extremely grateful to the continuous efforts of its community in ensuring our various deliverables in general, and in our specifications in particular, are made available in other languages, for free, ensuring their exposure to a much more diverse set of readers. Last Spring we developed a more robust system, a new listing of translations of W3C specifications and updated the instructions on how to contribute to our translation efforts. W3C Liaisons Liaisons and coordination with numerous organizations and Standards Development Organizations (SDOs) is crucial for W3C to: make sure standards are interoperable coordinate our respective agenda in Internet governance: W3C participates in ICANN, GIPO, IGF, the I* organizations (ICANN, IETF, ISOC, IAB). ensure at the government liaison level that our standards work is officially recognized when important to our membership so that products based on them (often done by our members) are part of procurement orders. W3C has ARO/PAS status with ISO. W3C participates in the EU MSP and Rolling Plan on Standardization ensure the global set of Web and Internet standards form a compatible stack of technologies, at the technical and policy level (patent regime, fragmentation, use in policy making) promote Standards adoption equally by the industry, the public sector, and the public at large Coralie Mercier, Editor, W3C Marketing & Communications $Id: Overview.html,v 1.60 2019/10/15 12:05:52 coralie Exp $ Copyright © 2019 W3C ® (MIT, ERCIM, Keio, Beihang) Usage policies apply.

An ANN is a model based on a collection of connected units or nodes called "artificial neurons", which loosely model the neurons in a biological brain. Each connection, like the synapses in a biological brain, can transmit information, a "signal", from one artificial neuron to another. An artificial neuron that receives a signal can process it and then signal additional artificial neurons connected to it. In common ANN implementations, the signal at a connection between artificial neurons is a real number, and the output of each artificial neuron is computed by some non-linear function of the sum of its inputs. The connections between artificial neurons are called "edges". Artificial neurons and edges typically have a weight that adjusts as learning proceeds. The weight increases or decreases the strength of the signal at a connection. Artificial neurons may have a threshold such that the signal is only sent if the aggregate signal crosses that threshold. Typically, artificial neurons are aggregated into layers. Different layers may perform different kinds of transformations on their inputs. Signals travel from the first layer (the input layer) to the last layer (the output layer), possibly after traversing the layers multiple times. The original goal of the ANN approach was to solve problems in the same way that a human brain would. However, over time, attention moved to performing specific tasks, leading to deviations from biology. Artificial neural networks have been used on a variety of tasks, including computer vision, speech recognition, machine translation, social network filtering, playing board and video games and medical diagnosis. Deep learning consists of multiple hidden layers in an artificial neural network. This approach tries to model the way the human brain processes light and sound into vision and hearing. Some successful applications of deep learning are computer vision and speech recognition.[68] Decision trees Main article: Decision tree learning Decision tree learning uses a decision tree as a predictive model to go from observations about an item (represented in the branches) to conclusions about the item's target value (represented in the leaves). It is one of the predictive modeling approaches used in statistics, data mining, and machine learning. Tree models where the target variable can take a discrete set of values are called classification trees; in these tree structures, leaves represent class labels and branches represent conjunctions of features that lead to those class labels. Decision trees where the target variable can take continuous values (typically real numbers) are called regression trees. In decision analysis, a decision tree can be used to visually and explicitly represent decisions and decision making. In data mining, a decision tree describes data, but the resulting classification tree can be an input for decision making. Support vector machines Main article: Support vector machines Support vector machines (SVMs), also known as support vector networks, are a set of related supervised learning methods used for classification and regression. Given a set of training examples, each marked as belonging to one of two categories, an SVM training algorithm builds a model that predicts whether a new example falls into one category or the other.[69] An SVM training algorithm is a non-probabilistic, binary, linear classifier, although methods such as Platt scaling exist to use SVM in a probabilistic classification setting. In addition to performing linear classification, SVMs can efficiently perform a non-linear classification using what is called the kernel trick, implicitly mapping their inputs into high-dimensional feature spaces. Illustration of linear regression on a data set. Regression analysis Main article: Regression analysis Regression analysis encompasses a large variety of statistical methods to estimate the relationship between input variables and their associated features. Its most common form is linear regression, where a single line is drawn to best fit the given data according to a mathematical criterion such as ordinary least squares. The latter is often extended by regularization (mathematics) methods to mitigate overfitting and bias, as in ridge regression. When dealing with non-linear problems, go-to models include polynomial regression (for example, used for trendline fitting in Microsoft Excel[70]), logistic regression (often used in statistical classification) or even kernel regression, which introduces non-linearity by taking advantage of the kernel trick to implicitly map input variables to higher-dimensional space. Bayesian networks Main article: Bayesian network A simple Bayesian network. Rain influences whether the sprinkler is activated, and both rain and the sprinkler influence whether the grass is wet. A Bayesian network, belief network, or directed acyclic graphical model is a probabilistic graphical model that represents a set of random variables and their conditional independence with a directed acyclic graph (DAG). For example, a Bayesian network could represent the probabilistic relationships between diseases and symptoms. Given symptoms, the network can be used to compute the probabilities of the presence of various diseases. Efficient algorithms exist that perform inference and learning. Bayesian networks that model sequences of variables, like speech signals or protein sequences, are called dynamic Bayesian networks. Generalizations of Bayesian networks that can represent and solve decision problems under uncertainty are called influence diagrams. Genetic algorithms Main article: Genetic algorithm A genetic algorithm (GA) is a search algorithm and heuristic technique that mimics the process of natural selection, using methods such as mutation and crossover to generate new genotypes in the hope of finding good solutions to a given problem. In machine learning, genetic algorithms were used in the 1980s and 1990s.[71][72] Conversely, machine learning techniques have been used to improve the performance of genetic and evolutionary algorithms.[73] Training models Usually, machine learning models require a lot of data in order for them to perform well. Usually, when training a machine learning model, one needs to collect a large, representative sample of data from a training set. Data from the training set can be as varied as a corpus of text, a collection of images, and data collected from individual users of a service. Overfitting is something to watch out for when training a machine learning model. Federated learning Main article: Federated learning Federated learning is an adapted form of distributed artificial intelligence to training machine learning models that decentralizes the training process, allowing for users' privacy to be maintained by not needing to send their data to a centralized server. This also increases efficiency by decentralizing the training process to many devices. For example, Gboard uses federated machine learning to train search query prediction models on users' mobile phones without having to send individual searches back to Google.[74] Applications There are many applications for machine learning, including: Agriculture Anatomy Adaptive websites Affective computing Banking Bioinformatics Brain–machine interfaces Cheminformatics Citizen science Computer networks Computer vision Credit-card fraud detection Data quality DNA sequence classification Economics Financial market analysis[75] General game playing Handwriting recognition Information retrieval Insurance Internet fraud detection Linguistics Machine learning control Machine perception Machine translation Marketing Medical diagnosis Natural language processing Natural language understanding Online advertising Optimization Recommender systems Robot locomotion Search engines Sentiment analysis Sequence mining Software engineering Speech recognition Structural health monitoring Syntactic pattern recognition Telecommunication Theorem proving Time series forecasting User behavior analytics In 2006, the media-services provider Netflix held the first "Netflix Prize" competition to find a program to better predict user preferences and improve the accuracy of its existing Cinematch movie recommendation algorithm by at least 10%. A joint team made up of researchers from AT&T Labs-Research in collaboration with the teams Big Chaos and Pragmatic Theory built an ensemble model to win the Grand Prize in 2009 for $1 million.[76] Shortly after the prize was awarded, Netflix realized that viewers' ratings were not the best indicators of their viewing patterns ("everything is a recommendation") and they changed their recommendation engine accordingly.[77] In 2010 The Wall Street Journal wrote about the firm Rebellion Research and their use of machine learning to predict the financial crisis.[78] In 2012, co-founder of Sun Microsystems, Vinod Khosla, predicted that 80% of medical doctors' jobs would be lost in the next two decades to automated machine learning medical diagnostic software.[79] In 2014, it was reported that a machine learning algorithm had been applied in the field of art history to study fine art paintings and that it may have revealed previously unrecognized influences among artists.[80] In 2019 Springer Nature published the first research book created using machine learning.[81] Limitations Although machine learning has been transformative in some fields, machine-learning programs often fail to deliver expected results.[82][83][84] Reasons for this are numerous: lack of (suitable) data, lack of access to the data, data bias, privacy problems, badly chosen tasks and algorithms, wrong tools and people, lack of resources, and evaluation problems.[85] In 2018, a self-driving car from Uber failed to detect a pedestrian, who was killed after a collision.[86] Attempts to use machine learning in healthcare with the IBM Watson system failed to deliver even after years of time and billions of dollars invested.[87][88] Bias Main article: Algorithmic bias Machine learning approaches in particular can suffer from different data biases. A machine learning system trained on current customers only may not be able to predict the needs of new customer groups that are not represented in the training data. When trained on man-made data, machine learning is likely to pick up the same constitutional and unconscious biases already present in society.[89] Language models learned from data have been shown to contain human-like biases.[90][91] Machine learning systems used for criminal risk assessment have been found to be biased against black people.[92][93] In 2015, Google photos would often tag black people as gorillas,[94] and in 2018 this still was not well resolved, but Google reportedly was still using the workaround to remove all gorillas from the training data, and thus was not able to recognize real gorillas at all.[95] Similar issues with recognizing non-white people have been found in many other systems.[96] In 2016, Microsoft tested a chatbot that learned from Twitter, and it quickly picked up racist and sexist language.[97] Because of such challenges, the effective use of machine learning may take longer to be adopted in other domains.[98] Concern for fairness in machine learning, that is, reducing bias in machine learning and propelling its use for human good is increasingly expressed by artificial intelligence scientists, including Fei-Fei Li, who reminds engineers that "There’s nothing artificial about AI...It’s inspired by people, it’s created by people, and—most importantly—it impacts people. It is a powerful tool we are only just beginning to understand, and that is a profound responsibility.”[99] Model assessments Classification of machine learning models can be validated by accuracy estimation techniques like the holdout method, which splits the data in a training and test set (conventionally 2/3 training set and 1/3 test set designation) and evaluates the performance of the training model on the test set. In comparison, the K-fold-cross-validation method randomly partitions the data into K subsets and then K experiments are performed each respectively considering 1 subset for evaluation and the remaining K-1 subsets for training the model. In addition to the holdout and cross-validation methods, bootstrap, which samples n instances with replacement from the dataset, can be used to assess model accuracy.[100] In addition to overall accuracy, investigators frequently report sensitivity and specificity meaning True Positive Rate (TPR) and True Negative Rate (TNR) respectively. Similarly, investigators sometimes report the false positive rate (FPR) as well as the false negative rate (FNR). However, these rates are ratios that fail to reveal their numerators and denominators. The total operating characteristic (TOC) is an effective method to express a model's diagnostic ability. TOC shows the numerators and denominators of the previously mentioned rates, thus TOC provides more information than the commonly used receiver operating characteristic (ROC) and ROC's associated area under the curve (AUC).[101] Ethics Machine learning poses a host of ethical questions. Systems which are trained on datasets collected with biases may exhibit these biases upon use (algorithmic bias), thus digitizing cultural prejudices.[102] For example, using job hiring data from a firm with racist hiring policies may lead to a machine learning system duplicating the bias by scoring job applicants against similarity to previous successful applicants.[103][104] Responsible collection of data and documentation of algorithmic rules used by a system thus is a critical part of machine learning. Because human languages contain biases, machines trained on language corpora will necessarily also learn these biases.[105][106] Other forms of ethical challenges, not related to personal biases, are more seen in health care. There are concerns among health care professionals that these systems might not be designed in the public's interest but as income-generating machines. This is especially true in the United States where there is a long-standing ethical dilemma of improving health care, but also increasing profits. For example, the algorithms could be designed to provide patients with unnecessary tests or medication in which the algorithm's proprietary owners hold stakes. There is huge potential for machine learning in health care to provide professionals a great tool to diagnose, medicate, and even plan recovery paths for patients, but this will not happen until the personal biases mentioned previously, and these "greed" biases are addressed.[107] Hardware Since the 2010s, advances in both machine learning algorithms and computer hardware have led to more efficient methods for training deep neural networks (a particular narrow subdomain of machine learning) that contain many layers of non-linear hidden units.[108] By 2019, graphic processing units (GPUs), often with AI-specific enhancements, had displaced CPUs as the dominant method of training large-scale commercial cloud AI.[109] OpenAI estimated the hardware compute used in the largest deep learning projects from AlexNet (2012) to AlphaZero (2017), and found a 300,000-fold increase in the amount of compute required, with a doubling-time trendline of 3.4 months.[110][111] Software Software suites containing a variety of machine learning algorithms include the following: Free and open-source so

Data Visualizations is emerging as one of the most essential skills in almost all of the IT and Non IT Background Sectors and Jobs. Using Data Visualizations to make wiser decisions which could land the Business to make bigger profits and understand the root cause and behavioral analysis of people and customers associated to it. In this Repository I have deeply discussed about Line Plots, Bar plots, Scatter Plots, and Pie Charts, Apart from that I have Discussed scientific plots, 3d plots, animated plots, interactive plots to visualize any kind of business problem and that too of any complexity.

RFM (Recency, Frequency, Monetary) analysis is a proven marketing model for behavior based customer segmentation. It groups customers based on their transaction history – how recently, how often and how much did they buy. RFM helps divide customers into various categories or clusters to identify customers who are more likely to respond to promotions and also for future personalization services.

This project explores e-commerce sales data using Python. It focuses on identifying top products, analyzing monthly sales patterns, and understanding customer purchasing behavior using basic data analysis and visualization.

This dataset contains detailed information about various banking transactions and customer data. It has been compiled to aid in financial analysis, customer behavior studies, and predictive modeling.

Privacy Policy introduction We understand the importance of personal information to you and will do our utmost to protect your personal information. We are committed to maintaining your trust in us and to abide by the following principles to protect your personal information: the principle of consistency of rights and responsibilities, the principle of purpose , choose the principle of consent, at least the principle of sufficient use, ensure the principle of security, the principle of subject participation, the principle of openness and transparency, and so on. At the same time, we promise that we will take appropriate security measures to protect your personal information according to the industry's mature security solutions. In view of this, we have formulated this "Private Privacy Policy" (hereinafter referred to as "this policy" /This Privacy Policy") and remind you: This policy applies to products or services on this platform. 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This privacy policy section will help you understand the following: How we collect and use your personal information How do we use cookies and similar technologies? How do we share, transfer, and publicly disclose your personal information? How we protect your personal information How do you manage your personal information? How do we deal with the personal information of minors? How your personal information is transferred globally How to update this privacy policy How to contact us 一、How we collect and use your personal information Personal information refers to various information recorded electronically or otherwise that can identify a specific natural person or reflect the activities of a particular natural person, either alone or in combination with other information. We collect and use your information for the purposes described in this policy. Personal information: （一）Help you become our user To create an account so that we can serve you, you will need to provide the following information: your nickname, avatar, gender, date of birth, mobile number/signal/QQ number, and create a username and password. During the registration process, if you provide the following additional information to supplement your personal information, it will help us to provide you with better service and experience: your real name, real ID information, hometown, emotional status, constellation, occupation, school Your real avatar. However, if you do not provide this information, it will not affect the basic functions of using the platform products or services. The above information provided by you will continue to authorize us during your use of the Service. When you voluntarily cancel your account, we will make it anonymous or delete your personal information as soon as possible in accordance with applicable laws and regulations. （二）Show and push goods or services for you In order to improve our products or services and provide you with personalized information search and transaction services, we will extract your browsing, search preferences, behavioral habits based on your browsing and search history, device information, location information, and transaction information. Features such as location information, indirect crowd portraits based on feature tags, and display and push information. 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Before providing the platform with the aforementioned personal information of the other party, you need to ensure that you have obtained your authorization. 2、Information we collect during your use of the service In order to provide you with page display and search results that better suit your needs, understand product suitability, and identify account anomalies, we collect and correlate information about the services you use and how they are used, including: Device Information: We will receive and record information about the device you are using (such as device model, operating system version, device settings, unique device identifier, etc.) based on the specific permissions you have granted during software installation and use. Information about the location of the device (such as Idiv address, GdivS location, and Wi-Fi that can provide relevant information) Sensor information such as access points, Bluetooth and base stations. 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If we combine such non-personal information with other information to identify a particular natural person or use it in conjunction with personal information, such non-personal information will be treated as personal information during the combined use, except for your authorization. Or as otherwise provided by laws and regulations, we will anonymize and de-identify such personal information. When you contact us, we may save information such as your communication/call history and content or the contact information you left in order to contact you or help you solve the problem or to document the resolution and results of the problem. 3、Your personal information collected through indirect access You can use the products or services provided by our affiliates through the link of the platform provided by our platform account. In order to facilitate our one-stop service based on the linked accounts and facilitate your unified management, we will show you on this platform. Information or recommendations for information you are interested in, including information from live broadcasts and games. You can discover and use the above services through the homepage of the platform, "More" and other functions. When you use the above services through our products or services, you authorize us to receive, aggregate, and analyze from our affiliates based on actual business and cooperation needs, we confirm that their source is legal or that you authorize to consent to your personal information provided to us or Trading Information. 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To improve the security of your services provided by us and our affiliates and partners, protect the personal and property of you or other users or the public from being compromised, and better prevent phishing websites, fraud, network vulnerabilities, computer viruses, cyber attacks , security risks such as network intrusion, more accurately identify violations of laws and regulations or the relevant rules of the platform, we may use or integrate your user information, transaction information, equipment information, related web logs and our affiliates, partners to obtain You authorize or rely on the information shared by law to comprehensively judge your account and transaction risks, conduct identity verification, detect and prevent security incidents, and take necessary records, audits, analysis, and disposal measures in accordance with the law. （五）Other uses When we use the information for other purposes not covered by this policy, or if the information collected for a specific purpose is used for other purposes, you will be asked for your prior consent. （六）Exception for authorization of consent According to relevant laws and regulations, collecting your personal information in the following situations does not require your authorized consent: 1、Related to national security and national defense security； 2、Related to public safety, public health, and major public interests； 3、Related to criminal investigation, prosecution, trial and execution of judgments, etc.； 4、It is difficult to obtain your own consent for the maintenance of the important legal rights of the personal information or other individuals’ lives and property； 5、The personal information collected is disclosed to the public by yourself; 二、How do we use cookies and similar technologies? （一）Cookies To ensure that your site is up and running, to give you an easier access experience, and to recommend content that may be of interest to you, we store a small data file called a cookie on your computer or mobile device. 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Personal information may be shared with our affiliates. We will only share the necessary personal information (for example, to facilitate the use of our affiliated company products or services, we will share your necessary account information with affiliates) if we share your personal sensitive information or affiliate changes The use of personal information and the purpose of processing will be re-examined for your authorization. 4. Sharing with Authorized Partners: For the purposes stated in this Privacy Policy, some of our services will be provided by us and our authorized partners. We may share some of your personal information with our partners to provide better customer service and user experience. For example, arrange a partner to provide services. We will only share your personal information for legitimate, legitimate, necessary, specific, and specific purposes, and will only share the personal information necessary to provide the service. Our partners are not authorized to use shared personal information for other purposes unrelated to the product or service. Currently, our authorized partners include the following types: (2) Suppliers, service providers and other partners. We send information to suppliers, service providers and other partners who support our business, including providing technical infrastructure services, analyzing how our services are used, measuring the effectiveness of advertising and services, providing customer service, and facilitating payments. Or conduct academic research and investigations. (1) Authorized partners in advertising and analytics services. We will not use your personally identifiable information (information that identifies you, such as your name or email address, which can be used to contact you or identify you) and provide advertising and analytics services, unless you have your permission. Shared by partners. We will provide these partners with information about their advertising coverage and effectiveness, without providing your personally identifiable information, or we may aggregate this information so that it does not identify you personally. For example, we’ll only tell advertisers how effective their ads are when they agree to comply with our advertising guidelines, or how many people see their ads or install apps after seeing ads, or work with them. Partners provide statistical information that does not identify individuals (eg “male, 25-29 years old, in Beijing”) to help them understand their audience or customers. For companies, organizations and individuals with whom we share personal information, we will enter into strict data protection agreements with them to process individuals in accordance with our instructions, this Privacy Policy and any other relevant confidentiality and security measures. information. (2) Transfer We do not transfer your personal information to any company, organization or individual, except: Transfer with the express consent: After obtaining your explicit consent, we will transfer your personal information to other parties; 2, in the case of mergers, acquisitions or bankruptcy liquidation, or other circumstances involving mergers, acquisitions or bankruptcy liquidation, if it involves the transfer of personal information, we will require new companies and organizations that hold your personal information to continue to receive This policy is bound, otherwise we will ask the company, organization and individual to re-seek your consent. (3) Public disclosure We will only publicly disclose your personal information in the following circumstances: We may publicly disclose your personal information by obtaining your explicit consent or based on your active choice; 2, if we determine that you have violated laws and regulations or serious violations of the relevant rules of the platform, or to protect the personal safety of the platform and its affiliates users or the public from infringement, we may be based on laws and regulations or The relevant agreement rules of this platform disclose your personal information, including related violations, and the measures that the platform has taken against you, with your consent. (4) Exceptions for prior authorization of consent when sharing, transferring, and publicly disclosing personal information In the following situations, sharing, transferring, and publicly disclosing your personal information does not require prior authorization from you: Related to national security and national defense security; Related to public safety, public health, and major public interests; 3, related to criminal investigation, prosecution, trial and judgment execution; 4, in order to protect your or other individuals' life, property and other important legal rights but it is difficult to get my consent; Personal information that you disclose to the public on your own; Collect personal information from legally publicly disclosed information, such as legal news reports and government information disclosure. According to the law, sharing, transferring and de-identifying personal information, and ensuring that the data recipient cannot recover and re-identify the personal information subject, does not belong to the external sharing, transfer and public disclosure of personal information. The preservation and processing of the class data will not require additional notice and your consent. How do we protect your personal information? (1) We have taken reasonable and feasible security measures in accordance with the industry's general solutions to protect the security of personal information provided by you, and to prevent unauthorized access, public disclosure, use, modification, damage or loss of personal information. For example, SSL (Secure Socket) when exchanging data (such as credit card information) between your browser and the server Layer) protocol encryption protection; we use encryption technology to improve the security of personal information; we use a trusted protection mechanism to prevent personal information from being maliciously attacked; we will deploy access control mechanisms to ensure that only authorized personnel can access individuals Information; and we will conduct security and privacy protection training courses to enhance employees' awareness of the importance of protecting personal information. (2) We have advanced data security management system around the data life cycle, which enhances the security of the whole system from organizational construction, system design, personnel management, product technology and other aspects. (3) We will take reasonable and feasible measures and try our best to avoid collecting irrelevant personal information. We will only retain your personal information for the period of time required to achieve the purposes stated in this policy, unless the retention period is extended or permitted by law. (4) The Internet is not an absolutely secure environment. We strongly recommend that you do not use personal communication methods that are not recommended by this platform. You can connect and share with each other through our services. When you create communications, transactions, or sharing through our services, you can choose who you want to communicate, trade, or share as a third party who can see your trading content, contact information, exchange information, or share content. If you find that your personal information, especially your account or password, has been leaked, please contact our customer service immediately so that we can take appropriate measures according to your application. Please note that the information you voluntarily share or even share publicly when using our services may involve personal information of you or others or even sensitive personal information, such as when you post a news or choose to upload in public in group chats, circles, etc. A picture containing personal information. Please consider more carefully whether you share or even share information publicly when using our services. Please use complex passwords to help us keep your account secure. We will do our best to protect the security of any information you send us. At the same time, we will report the handling of personal information security incidents in accordance with the requirements of the regulatory authorities. V. How your personal information is transferred globally Personal information collected and generated by us during our operations in the People's Republic of China is stored in China, with the following exceptions: Laws and regulations have clear provisions; 2, get your explicit authorization; 3, you through the Internet for cross-border live broadcast / release dynamics and other personal initiatives. In response to the above, we will ensure that your personal information is adequately protected in accordance with this Privacy Policy.

Leveraging on Unsupervised Learning Techniques (K-Means and Hierarchical Clustering Implementation) to Perform Market Basket Analysis: Implementing Customer Segmentation Concepts to score a customer based on their behaviors and purchasing data

employee benefits swedbank The bank does not apply a variable remuneration system with discretionary pension benefits. Bank officials can borrow up to SEK 2 million at this special price. Employee benefits seb Health and benefits SEB. Work at a bank. The greatest lesson was personal knowledge. You follow up defined key figures for the customer and take action if necessary. The benefit varies in value, but the interest rates on the bank employees' mortgages are generally very low. Cookies are used, among other things, to save your settings, analyze how you surf and adapt content to suit you. Swedbank and the savings banks new partners to Samsung Pay Companies in major change towards customer contact via telephone and internet. We may start the selection during the application period and welcome your application as soon as possible. How long does the hiring process take, from first interview to employment, at Swedbank? Large workplace with many colleagues, very work-related discussions. Apply for a loan! Met customers every day, had fun with colleagues. IT MEDIA GROUP AB. Every time a project was finished and started, I felt a satisfaction and joy to have been involved in developing something new and important. The bank has employee benefits that employees can take advantage of. Next. Expenditure categories: milita…, Internal Consultant with Excel, Access and MS-Project, Project Manager Event Sponsorship Marketing Department. Right now, a super low 0.04 percent mortgage interest rate is offered for three-month loans. Huge Selectio. We offer you a stimulating workplace that provides valuable experience from various projects in fintech. I worked in a large team, which I enjoyed very much. Contractual pension. Apply no later than today. their significantly lower costs. Employees have ample opportunities for work rotation which contributes towards personal development and provides opportunities to try new areas of work. At Uniflex, we see our employees as our most important asset and therefore we offer • Collective agreements • Occupational pension • Wellness allowance and other employee benefits • Insurance • Market salary • Career and development We are constantly looking for new colleagues who work in agreement with our guiding stars business focus, commitment, joy and responsibility. employee benefits, which are stated in the instruction. 1 5 10 15 20 SEB SIXRX 29.4 -5.7 3.6 9.7 10.4 26.7 8.0 5.9 12.1 13.4 www.seb.se 9% 14% of total assets of total assets ABB is a leader in power and automation technology. Desktop Menu Toggle. Today, Söderberg & Partners 2017's best performing players in the Swedish financial industry. Expenditures: $ 50,000,000,000,000.00 ICA Bank - Employee Benefits Personal Finance. As a customer advisor, you will answer calls and provide service to private individuals. Employment contract Once you have received your employment contract, it is important that you check that all information is correct. Those who work at Swedbank get the very best conditions. A typical working day was to work both independently and have meetings with colleagues. The job was a challenge but also fun and stimulating. Employees have ample opportunities for work rotation which contributes towards personal development and provides opportunities to try new areas of work. Our Design Hub is located in the heart of Swedbank's modern head office. Work experience. Söderberg & Every year, Partners releases a sustainability analysis of the largest pension companies. In the role of Key Account Manager, you are commercially responsible for the main agreement, which means responsibility for negotiating the main agreement, coordinating business issues and business agreements, updating the agreement in the event of a change and anchoring with the contact persons. Clearing number is the number that identifies the bank and branch to which an account belongs. MENU MENU. That is why we like to see female applicants. Mainly internet. great opportunities to advance in your career. There are some benefits that are tax-free, such as staff care benefits. Variable compensation means compensation that is not determined in advance to Do you want a really low mortgage rate? Variable remuneration to employees and its purpose The Bank's operations are carried out by salaried employees who may have variable remuneration in addition to salary. At Swedbank, there is security and the opportunity to try new things in a stable environment with development opportunities and good employee benefits. Our Design Hub, together with the digital bank's management, business and developer, is located in the heart of Swedbank's modern head office in Sundbyberg. If you do not know the name, ask your HR-department. It is a wonderful and motivating work climate with good staff benefits as wellness allowance. Relatively high workload with stimulating tasks. Benify offers you instant access to your world of employee benefits, rewards and much more. Söderberg & Partner funds have changed their name. Personnel bikes work to help employers provide their employees with benefit bikes in a simple and safe way - something that can be financially beneficial for employers and employees. Your total budget for this promotion is kr85.7…, Gdp: $ 900,450,320,120,900,800.00 Wednesday's announcement is the end for Handelsbanken as we know it. Has taught me to work with various Swedbank's computer programs. Liked everything and everyone at Swedbank, thought everything was fun. CEO, editor-in-chief and responsible publisher: Anna Careborg, Editors and Acting responsible publishers: Maria Rimpi and Martin Ahlquist, Postal address Svenska Dagbladet, 105 17 Stockholm, Subscription matters and e-mail to customer serviceSubscription matters and e-mail to customer service. If you have more than one account (for example, an employee of several companies), you first need to fill in the company name. Benify privately. . In order for us to be able to create a sustainable society for everyone who lives, visits and works in Huddinge, you as an employee are the most important thing we have. Created a poorer work environment by reducing staff, as well as bonus systems. We may start the selection during the application period and welcome your application as soon as possible. If you were to leave Swedbank, what is the primary reason? Since Swedbank was formed about 8 years ago, the focus has been on a completely new bank based on customer contacts via digital channels. Trygghetsförvaltning has changed its name to Proaktiv Förvaltning. It is said that Google to take an SMS loan that grants SMS loans with in the US has been interested, but there to be indebted already at the beginning of its in the future. New report: Pension companies increasingly sustainable. The good reputation spreads, which gives more applications per ad and reduces the need for. These are stated in the bank's established employee benefits, where it is also stated any criteria for issuing the benefit. SvD Näringsliv has taken a closer look at what the conditions look like. 6.5 Severance pay Sparbanken shall ensure that compensation paid to an employee in connection with In December 2016, we announced that a name change would take place as a result of the Swedish Consumer Agency's statement on the Security Administration, there. If you have any questions, you are always welcome to contact us. 6.4 Contractual pension Pension benefits are paid in accordance with law and agreements. Those who work at Swedbank get the very best conditions. Ambea for me salary specification. With personnel loans, super interest rates are offered to all bank employees. Otherwise, they were very instructive. How flexible is Swedbank with working hours and working remotely? Söderberg & Partners - Hållbarhetsrapporten Pensionsbolag 2016. A typical working day was that you came to work at the same times of the day, picked up your work box that you had received from the bank with all your things in, then sat down at any computer table, logged in to computer, opened all the programs to work with and began receiving calls and emails. But the benefit taxation means that it is not quite as good as it first seems. Swedbank and more Swedish banks Clearing number is the number that identifies the bank and the branch to which an account belongs. At the bank, I learned an incredible amount. Flexible working hours are applied. Anxious work environment where everything talked between colleagues concerns how long you can keep your job. Working at ABB gives you an opportunity to contribute to a more prosperous and sustainable world. Apply. ; ‚] Ú ÏÃÎG; ùÄ £ ÷ ä› ÿÃÉ — Îþúêîîê'ÿ "ÿéêêîˆ97› Ò ¥ “2nú & ó $;› t'Ó & á. Customer and employee satisfaction is always on top of the agenda. Are you used to working with complexes sales and has a strong business and customer focus? booked via customer service. Good benefits. Contractual pension The bank does not apply a variable remuneration system with discretionary pension benefits. Then you are the Key Account Manager we are looking for at PayEx! \\ n \\ n Background: \\ n \\ nPayEx is a company with two business areas, PayEx. Swedbank Hypotek AB, 556003-3283 - At allabolag.se you will find, financial statements, key figures, group, group tree, board, Status no less than 24 lenders do it and you pay a fee. Today, they can take out mortgages at 0.04 percent interest. The funds that were previously called Trygghet have now changed their name to Proaktiv, but the services remain the same. The results are based on Söderberg & Partners' annual traffic light report, which contains analyzes of the entire Swedish savings market and is compiled to keep savers informed about how the providers of financial services and products perform. Flashback Forum 46,947 visitors online. Employee benefits according to instruction 12.1.1 3. They stay longer, are more committed and more likely to see themselves as ambassadors for your employer brand. Here you will find - who is employed or affiliated with us - information and routines regarding common personnel-related issues at CLINTEC. Welcome to your benefits portal! employee benefits, which are stated in the instruction. Today, they can take out mortgages at 0.04 percent interest. The tasks only included telephone sales, which meant that I lacked more customer contact. Today, Söderberg & Partners launches a third sustainability report, this time to demonstrate what funds' sustainability work looks like. Holiday work gives you a chance to earn your own money, at the same time as you gain valuable experience for the future. Generous staff prices, a healthy lifestyle and safe conditions. The bank has employee benefits that employees can take advantage of. Here you will find vacancies in the Danske Bank Group. Mercer has extensive experience in designing employee benefits from a strategic perspective. Healthy and able to work… then get a responsibility like this management of ours. Employee benefits Competitive employee benefits. But the benefit taxation means that it is not quite as good as it first seems. Good and innovative company that I would really recommend working in. Customer in focus is always a matter of course. Year 9 is prioritized. Prerequisites for getting holiday work is that you have applied on time, are registered in the municipality. 6.4 Contractual pension Pension benefits are paid in accordance with law and agreements. If something is to change, you must notify us as soon as possible. If your employer pays a private cost of living for you, it is a benefit and you must pay tax on the benefit. E-mail: info@itmediagroup.se Demolish the pyramids! is a book for anyone who is or has a boss. It has been hailed by Bill Clinton and is course literature at Harvard. It has been sold in more than 50 countries and has been called the most important event in Swedish leadership. Benefits. window.SvD.ads.queue.push (function () {Application. Change bank if you want a lower fee. Salary type: Fixed monthly, weekly or hourly salary. WHO ARE YOU? The benefit is normally valued at its market value but in some cases is PayEx is looking for an ambitious Key Account Manager for its sales team. \\ nDo you want to work with an expansive and innovative company in invoice management and financing? • Wellness grants and other employee benefits • Insurance • Market salary • Career and development We are constantly looking for new colleagues who work in accordance with our values ​​business focus, commitment, joy and responsibility. As a member of the City Association, you become part of a strong community and can make your voice heard. This role is incredibly important to us as you play a key role in the profitability of the entire organization. öÉ'¯ù [™ ûóçŸýã´ = û¯ “ïÿõóϾ ± ü Ï? Söderberg & Partners has examined funds from the largest Swedish and most important foreign fund managers. Swedbank is no longer a local bank close to customers. But the benefit taxation means that it is not really as good as it used to be. Those who work at Swedbank get the very best conditions. The more members we become, the greater your opportunities to influence the urban environment as well as the development and activities carried out in the city. Scope / Duration: Full time / Until further notice. The work environment is very friendly cooperative and respectful. ASSEMBLY: SVD. Awesome. Staff / HR at CLINTEC. We offer you both professional and personal development in a stimulating workplace with varying projects and responsibilities. Apply no later than 23 May (4 months 18 days left) Published: 2021-04-19. Hotel staff - 100%. Welcome to us in Mjölby municipality. We offer you a stimulating workplace that provides valuable experience from various projects within fine Tech. Read more about cookies. Swedbank and more Swedish banks. Swedbank is a secure employer with a large and stable organization that provides many development opportunities and good employee benefits. . Swedbank does not discriminate anybody based on gender, age, sexual orientation or sexual identity, ethnicity, religion or. Medvind is an internal system for employees at Ambea. Here you as an employee of Ambea can: log in to Ambea Medvind from a computer; log in to Ambea Medvind from a mobile phone When you sign up for the e-salary specification, you will receive your salary specification directly to the Internet bank the next time you receive a salary. Today, they can take out mortgages at 0.04 percent interest. IT MEDIA GROUP AB. Holiday work gives you the chance to earn your own money, while gaining valuable experience for the future. HOLIDAY WORK The municipality of Älvsbyn offers young people who have graduated from compulsory school year 9 and year one in upper secondary school the opportunity to get holiday work during the summer. Development, Community, Education, Loyalty. Good benefits, good development opportunities. All banks have staff terms on mortgages. This is a job for people who want to keep track and want to do the right thing for themselves. Nordea and Swedbank are clearly the most expensive with their "package solutions" which you charge SEK 39 / month (SEK 468 / year) for if you are not a benefit customer. Trygghetsförvaltning has changed its name to Proaktiv Förvaltning. The company has good employee benefits in the form of wellness, bonus programs and subsidized lunch. . For an attractive city center. As an employee of SEB, you have access to a number of benefits,. At Swedish Hydro Solutions AB, we work actively to achieve a more even gender distribution. Our Design Hub is located in the heart of Swedbank's modern head office. Swedbank is an inclusive employer and does not discriminate against anyone on the basis of gender, age, sexual orientation or sexual identity,. Phone: +46 8 501 370 53.. Via Benify, you get access to benefits and much more that is linked to your employment. Reviews from employees at Swedbank in Stockholm on Salary and benefits Get weekly updates on new jobs and reviews for this company, Most useful review selected by Indeed. You also get a mentor and access to our range of employee benefits. ACCOUNTING Menu Toggle. These are stated in the bank's established employee benefits, where it is also stated any criteria for issuing the benefit. Phone: +46 8 501 370 53. Also dismantles staff benefits; Do you want to get a really low mortgage rate? Good Employer, with great knowledge and people who support each other. What kind of questions were asked during your interview at Swedbank? On a regular day, it is full of customers and varying tasks. We use cookies for swedbank.se and the internet bank to function in a good way. With personnel loans, super interest rates are offered to all bank employees. Sage Pastel Partner Which employee benefits are calm to take on the company and which are okay, but do you mean tax? For the right person, good development opportunities are offered. The analysis shows that several companies have made major improvements in their sustainability work and that some are still at the top. At Swedbank, there is security and the opportunity to try new things in a stable environment with development opportunities and good employee benefits. Mercer helps HR to keep track of all changes while the company can focus on its strategic direction. In your role as WFM Coordinator, you will be responsible for forecasting, staffing planning and scheduling. Engage employees anywhere, anytime. Our community is ready to respond. Like most other companies, we have employee benefits. Welcome to Helsingborg City. Phone: +46 8 501 370 53. Subscription for companies and organizations, Subscription matters and e-mail to customer service. HOME; SOLUTIONS Menu Toggle. Work at a bank. Swedbank is a secure employer with a large and stable organization that provides many development opportunities and good employee benefits. We offer you a stimulating workplace that provides valuable experience from various projects in fintech. Contractual pension. Work at a bank. Now our customer E.ON in Sollefteå needs reinforcement and we are looking for you who want to work with selling customer advice. . }); Do you want to get a really low mortgage rate? ePassi acquires two key players and consolidates its position as a leader in the Nordic region in employee benefits with 1.5 million users. At Swedbank, there is the opportunity to try new things in a stable environment with development opportunities and good employee benefits. Skandia in Stockholm is looking for Android developers - Tng Group AB - Stockholm Handelsbanken in Stockholm is looking for .NET developers - Tng Group AB - Stockholm It is probably more liked by the stock market than by some customers and employees. Söderberg & Partners' funds have changed their name. Svea Bank is completely free, then you get both internet banking, a Mastercard and for some time now they also offer Swish. Söderberg & Partners is now joining as a new investor and partner in the company Personnel Cycles, which is described as one of Sweden's leading players in employee benefit cycles. The bank has employee benefits that employees can take advantage of. Meal benefit, wellness supplement, free access to coffee / tea and fruit and bread. Swedbank as a whole is a good and secure employer. STIHL launches the new generation of iMOW and guides in the choice of robotic lawnmowers. Year 9 is prioritized. Prerequisites for getting holiday work is that you have applied on time, are registered in the municipality. 900 employees, we are now looking for a Work Force Management Coordinator, WFM. E-mail: info@itmediagroup.se We want you. Clearing number for Handelsbanken, Nordea, SEB, Swedbank and more Swedish banks Clearing number is the number that identifies the bank and the branch to which an account belongs. 5. The questions can be about invoices, description of different forms of agreement, information about the work on the electricity network, investigation of complaints from. A lot of paperwork, planning and similar tasks. Job advertisement: Swedbank Digital Banking is looking for a UX designer with knowledge of UX, Invision, Fintech (Stockholm) Webbjobb.io uses cookies to help us make the website better. Companies must be listed. Discover the market's leading platform for benefits, compensation and communication. Camping Sölvesborg Sweden Rock , Depreciation Tenancy , Admentum Login Prolympia , Johan Forssell Moderaterna , Hormonplitor Baby 5 Weeks , Behavioral Science, Komvux ,

A project on categorical data analysis and discrete probability models using R. Includes café customer behavior observations, variable classification, and simulations with Binomial and Poisson distributions. Features parameter estimation, chi-square goodness-of-fit, and visualizations.

A Python project analyzing customer churn using Exploratory Data Analysis (EDA). Insights into demographic, behavioral, and financial factors influencing churn using real-world bank dataset.

Black Friday Sales Analysis explores customer demographics, purchasing behaviors, and product trends to uncover insights and patterns driving sales during Black Friday events.

Segmenting consumer based buying behavior and applying 80/20 rule to identify top customers/products/geographic locations driving 80% of total $ sales

Predict and prevent customer churn in the telecom industry with data-driven insights. This project explores customer behavior, builds predictive models, and offers recommendations to reduce attrition rates. Explore the code for analysis, model building, and more.

Introduction In ecommerce companies like online retails, customer segmentation is necessary in order to understand customers behaviors. It leverages aqcuired customer data like the one we have in our case, transactions data in order to divide customers into groups. Our goal in this Notebook is to cluster our customers to get insights in: Increasing revenue (Knowing customers who present most of our revenue) Increasing customer retention Discovering Trends and patterns Defining customers at risk We will do RFM Analysis as a first step and then combine RFM with predictive algorithms (k-means). RFM Analysis answers these questions: Who are our best customers? Who has the potential to be converted in more profitable customers? Which customers we must retain? Which group of customers is most likely to respond to our current campaign? More about RFM here.

This project provides business insight into a fictional superstore's operations through deep exploratory data analysis. Visual and statistical techniques were applied to discover patterns in regional performance, customer behavior, and operational logistics.

Nowadays, there are numerous risks related to bank loans both for the banks and the borrowers, who get the loans. The risk analysis about bank loans needs understanding about the risk and the risk level. Banks need to analyze their customers for loan eligibility so that they can specifically target those customers. Banks wanted to automate the loan eligibility process (real time) based on customer details such as Gender, Marital Status, Age, Occupation, Income, debts and others, provided in their online application form. As the number of transactions in banking sector is rapidly growing and huge data volumes are available, the customers’ behavior can be easily analyzed and the risks around loan can be reduced. So, it is very important to predict the loan type and loan amount based on the banks’ data

Completed an analysis of the "Customer 100000" dataset to explore customer profiles and subscription behaviors. Used Python for data cleaning, visualization, and machine learning to segment customers, predict churn, and provide insights for targeted marketing and retention strategies.

This project offers an in-depth analysis of SuperStore's sales data, aiming to uncover actionable insights into customer behavior, regional performance, product trends, and shipping efficiency. By leveraging interactive visualizations and time series forecasting, the dashboard serves as a strategic tool for data-driven decision-making.

SQL analysis of online retail sales, customer behavior, and product trends (2010-2011)

No description available

This project focuses on customer segmentation using RFM (Recency, Frequency, Monetary) analysis, a proven method for identifying and categorizing customers based on their purchasing behavior.

This interactive Power BI dashboard provides a comprehensive analysis of airline flight performance, customer preferences, and revenue generation based on class, time, and airline. The project helps users understand market trends, customer behaviors, and business insights across major Indian airlines.

- Analyzed Walmart sales data from three branches using SQL and Python, focusing on product performance, sales trends, and customer behavior to optimize sales strategies and identify key performance factors. - Performed data wrangling, feature engineering, and exploratory data analysis to uncover insights

Telco Churn Analysis and Modeling is a comprehensive project focused on understanding and predicting customer churn in the telecommunications industry. Utilizing advanced data analysis and machine learning techniques, this project aims to provide insights into customer behavior and help develop effective strategies for customer

淘宝用户行为分析

This repository features the Superstore Sales Analysis project, demonstrating data cleaning and analysis using Python and SQL, along with interactive visualization in Power BI. Explore the code and reports to gain insights into sales performance, customer behavior, and product analysis.

The Super Store dataset contains data on order details of customers for orders of a superstore ie; chain of multiregional stores under a brand globally. This is a detailed analysis on customer behavior analysis.

This project focuses on analyzing customer behavior and spending patterns using a comprehensive dataset. Through advanced data visualization and analysis techniques, we aim to uncover actionable insights to improve marketing strategies, optimize product targeting, and enhance customer engagement.