If there are kids in your life (or even some adults--we don't judge), you may have heard of the open world sandbox game Minecraft. You start with nothing--gathering some basic raw materials and finding food and shelter--but in order to really get ahead in your worlds, you need to level up your game. You have to figure out which elements to put together to create the things you need to not only survive but thrive. Today's risk decisioning is also about evolving beyond the basics. When you start out making credit risk decisions you may just have the essentials--some data, some workflow tools, some basic automation.

Amazon is trying to find ways how users could stop talking so much to its AI voice assistant. According to the company official, many people would be surprised since the tech giant wants its customers to interact with Alexa less. On Tuesday, Nov. 2, Alexa's senior vice president Tom Taylor announced more about the capability of artificial intelligence to incorporate in many devices, according to CNBC's report. "We believe that the future of consumer technology is ambient intelligence, which uses AI to weave together devices and intelligent services," Taylor stated during the Web Summit tech conference in Lisbon. At the time, many companies were exploring effective methods on how to enhance their voice assistants.

Experts predict a revolution in the next 10 years with robot sales assistants, robot manufacturing, chatbots and AI working their way into every area of the fashion sector. Not so many years ago, the height of retail tech was a sales assistant with an iPad. But technology moves fast and yesterday's cutting edge innovation has become today's same old, same old. So what tech is shaking up the business world today and how might it affect the fashion sector? Think robots, drones, machine learning/artificial intelligence, virtual reality and chatbots. All of these make iPads in-store feel almost Stone Age.