The online world is changing fast. Every time you talk to a chatbot or click around a website, you leave a trail of clues. These clues can show what you might want next—even before you know it ...

Forbes contributors publish independent expert analyses and insights. Innovation futurist, keynote speaker and author, based in California. One of the most valuable practices I encourage my corporate ...

In our Budgeting Clinic series, Tom Francis, head of personal finance at Octopus Money, answers your questions about all things personal finance. Tom is a fully qualified and chartered financial ...