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3 Ways The Internet of Things Will Change Your Personal Finances
The Internet of Things is already disrupting industries.
Companies use Internet of Things (IoT) technologies to track fleets, reduce airplane fuel costs, and monitor industrial equipment.
But companies aren’t the only ones that will benefit.
Your personal finances have a lot to gain from the IoT as well.
According to Adweek, 65% of people want the Internet of Things to improve their personal finances.
And it’s already starting to happen.
Apple’s mobile payment platform, Apple Pay, is gaining traction and Samsung Pay is right behind.
Both systems work on wearable devices, and allow users to pay for items without using cash, debit, or credit cards.
Which means we may not be too far off from leaving our wallets at home.
But using the IoT for personal finances isn’t just about leaving your wallet behind.
It’s also about analyzing your spending.
Research firm Accenture says banks will use the Internet of Things to track your spending, and help you make better financial decisions.
“Powered by the Internet of Things’ vast data flow, the Bank of Things will be an ever-present part of customers’ lives and daily routines.” -- Accenture
Your Internet-connected car may soon tell your bank when it needs repairs.
And the bank could then suggest ways to cut back current expenses to help pay for the fix.
It may sound a bit intrusive now.
But the IoT has the potential to actually save you money.
Some insurance companies are using IoT technology to set car insurance rates.
It’s called usage based insurance (UBI).
CalAmp makes wireless modules that plug into a vehicle’s telematics system and record braking, acceleration, cornering, and other data.
Progressive Automotive uses this technology to monitor how some of its customers drive.
And then lowers monthly premiums for good drivers.
While the IoT will transform our personal finances in all of these ways, there are even more benefits we can’t even imagine now.
Because the Internet of Things is just getting started.
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